SumUp Tap

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

SumUp Tap

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.

Open the SumUp App on your Android mobile device.
Tap "Checkout" at the bottom of the screen.
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.
Select “Tap on Phone” in checkout.
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

What is Tap on Phone?: Tap on Phone is the easiest way to accept card payments without a card reader. All you need is the SumUp App and a compatible smartphone.
How does Tap on Phone work?: Tap on Phone turns your smartphone or tablet into a contactless payments terminal using the device's NFC antenna. Customers simply need to tap their card or Google or Apple Pay-enabled device against your phone to make a payment.
Where do my customers have to tap their cards?: Cards have to be tapped on the NFC antenna located on the back of your smartphone.
The NFC antenna may be found at the top, middle, or bottom of your phone depending on its model. So you may have to test which spot works best for you.
What payment cards can I use?: Tap on Phone support all contactless-enabled cards from Visa, Mastercard, and Maestro.
Is there a limit to the transaction amount?: Yes. Tap on Phone transactions are limited to the amount that can be processed without requiring PIN input.
Transactions above the CVM limit are currently supported only with Google Pay and Apple Pay as they do not require PIN verification.
Are Google Pay and Apple Pay supported?: Yes. Google Pay and Apple Pay are both supported by Tap on Phone so you can easily accept payments this way. Better still, transactions made using Google Pay and Apple Pay are not subject to the transaction limit in place for physical cards.

SumUp Tap

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Overall costs

Accepted cards

Payment methods

Supported Android devices

Refunds

Accepting card payments

Frequently Asked Questions

What is Tap on Phone?

How does Tap on Phone work?

Where do my customers have to tap their cards?

What payment cards can I use?

Is there a limit to the transaction amount?

Are Google Pay and Apple Pay supported?

Tap on Phone: Overview