Tap on Phone

Turn your phone into a contactless payment terminal without any additional hardware

Tap on Phone

Turn your phone into a contactless payment terminal without any additional hardware

Tap on Phone: Overview

SumUp’s Tap on Phone feature allows you to receive contactless payment directly via your phone with no need for a card reader. All you need to get started is a SumUp profile and the SumUp App installed on your Android mobile device.

Overall costs

Simply pay the regular SumUp fee per transaction. There’s no sign-up fee nor monthly charges. In short, you only pay when you’re getting paid.

Accepted cards

Tap on Phone can process credit and debit cards from Visa, MasterCard and Maestro.

Payment methods

Tap on Phone accepts contactless payments (NFC) below the contactless CVM limit, including Google Pay and Apple Pay transactions of any value. Payments requiring PIN authentication are not currently possible.

Supported Android devices

Tap on Phone is supported on all Android phones and tablets that run OS version 8.1 or above, support Google Services, and are equipped with an NFC antenna.

Refunds

You can easily issue refunds directly from the SumUp App by accessing your sales history and selecting the transaction to refund.

Accepting card payments

Accepting payments with Tap on Phone is quick and easy. Here’s how it’s done.

  1. Open the SumUp App on your Android mobile device.

  2. Tap "Checkout" at the bottom of the screen.

  3. Enter the transaction amount and tap “Charge”.

    Note: The maximum credit or debit card payment amount is £100. Google Pay and Apple Pay do not require PIN authentication so this limit doesn't apply. 

  4. Select “Tap on Phone” in checkout.

  5. When “Please tap” appears on the screen, prompt your customer to pay by holding their card to the back of your phone until you hear a beep.

Be aware the position of your NFC antenna will vary depending on your phone model. The ideal spot to tap may be at the top, middle, or bottom of your phone.

Frequently Asked Questions