How to accept contactless payments with only an iPhone

Since 2012, we’ve been unwavering in our mission to make life simpler for business owners. One of the ways we’ve achieved this is by continually leveraging advances in mobile technology to make cashless payments quicker, easier, more secure and more accessible. 

That’s why we’re thrilled that Tap to Pay on iPhone is now available in the UK via the SumUp app. In just a few simple steps, you can start using your iPhone to process contactless payments with physical debit and credit cards, Apple Pay, and other digital wallets.

What is Tap to Pay on iPhone?

Tap to Pay on iPhone is a powerful payment acceptance solution developed with all sorts of use cases in mind. Maybe you run an online business and are looking to expand. With Tap to Pay on iPhone, now you can sell anytime, anywhere, without needing to invest in a dedicated card reader.  Perhaps you already use a SumUp card reader at your bakery or food shop, but want to branch out into home delivery. With Tap to Pay on iPhone, you can process contactless payments at your customer’s doorstep – no additional hardware needed.

Or you might run a busy cafe and use a Point of Sale solution to manage your business. Tap to Pay on iPhone is a hassle-free way for your team to offer seamless contactless payments directly at the table during the lunchtime rush.

Wherever you do business, Tap to Pay on iPhone lets you process payments with physical cards up to the UK contactless limit of £100. Apple Pay and other digital wallets have no transaction limit, but the spending limits of cards linked to your customer’s wallet may apply.

Ready to use Tap to Pay on iPhone with SumUp? Our pricing is fair and transparent. You’ll simply pay a 1.69% fee per transaction – no activation or hidden monthly costs, no VAT,  and no binding contracts. 

With a free SumUp Business Account, you’ll have next-day access to any money you earn using Tap to Pay on iPhone, even on weekends and bank holidays.

However you choose to receive your hard-earned money, you can rest assured it’s in safe hands every step of the way. Tap to Pay on iPhone uses the built-in privacy and security features of iPhone to help keep your business and customer data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers. And SumUp operates in accordance with the highest card payment industry security standards. 

How to get started with Tap to Pay on iPhone

  1. Create or log in to your SumUp profile

  2. Download the free SumUp app on your iPhone

  3. On the app home screen, select ‘Tap to Pay on iPhone’ to enable

  4. Enter the amount you’d like to charge your customer, tap ‘Charge,’ and select ‘Tap to Pay on iPhone’

  5. Ask your customer to hold their card or payment device over the contactless symbol on your iPhone’s screen 

Tap to Pay on iPhone requires iPhone XS or later running iOS 15.5 or later.

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Tap to Pay on iPhone is just one of many intuitive tools you can access directly from the free SumUp app. Whether you want to check your Business Account balance on the go, simplify your invoicing, get paid remotely or build your own online store, we’ve got the solutions you need to make your business thrive.

Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. View Tap to Pay on iPhone countries and regions.

Paul O'Callaghan