Tap-On-Phone

Turn your phone into a payment terminal.

Tap-On-Phone turns any NFC-enabled iPhone or Android into a fully certified contactless terminal. No card reader, no dongle, no extra hardware. Just your phone and a tap.

Hand holding a phone showing a Tap-On-Phone payment screen
HardwareNoneYour phone is the terminal
Speed< 5 secFrom amount to approved
PlatformsiOS & AndroidiPhone 12+, Android 10+
SecurityPCICertified, encrypted end to end
iPhone showing the Tap to Pay screen
How it works

Four steps to accepting payments.

1

Get approved

Once your account is approved, PayConcepts sends you simple instructions on exactly which app to download and how to set it up.

2

Download & sign in

Download the app from the App Store or Google Play and log in with your PayConcepts merchant account.

3

Enter the amount

Type in the sale amount on your phone screen, no buttons, no extra steps.

4

Customer taps

Customer taps their card, Apple Pay or Google Pay to the back of your phone. Done. Payment approved.

How it works

Four steps to accepting payments.

1

Get approved

Once your account is approved, PayConcepts sends you simple instructions on exactly which app to download and how to set it up.

2

Download & sign in

Download the app from the App Store or Google Play and log in with your PayConcepts merchant account.

3

Enter the amount

Type in the sale amount on your phone screen, no buttons, no extra steps.

4

Customer taps

Customer taps their card, Apple Pay or Google Pay to the back of your phone. Done. Payment approved.

In action

The whole terminal fits in your pocket.

iPhone showing the Tap to Pay screen
9:41
PaymentsFinance
$8,888.50
Today ↑ 20.82%
34
Transactions
All Locations
ThuFriSatSunMonTueToday
DayMonth
Latest TransactionsView All
Sale ••• 2222Today, 10:34pm
$147.77Approved
VISA
Sale ••• 2222Today, 10:22pm
$62.40Approved
AMEX
Sale ••• 2222Today, 10:12pm
$147.77Declined
Sale ••• 2222Today, 9:58pm
$17.25Approved
Salon client tapping a card on the stylist's phone
Phone showing digital wallet cards
Checkout

Customer taps, you get paid

Enter the amount, turn your phone around and the customer taps their card or phone to the back of it. The sale is approved in seconds, no reader in between.

Under 5 secondsAny contactless cardApple Pay & Google Pay
Your dashboard

Your sales, live on the home screen

Open the app and today’s sales, transaction count and a day-by-day chart are right there. Every tap shows up in the list the second it’s approved.

Today’s salesDay & month viewEvery transaction
Anywhere

Built for real counters and no counters

Salons, food trucks, markets, deliveries, tableside. Wherever the sale happens, your terminal is already in your pocket.

No hardwareWorks anywhereNothing to charge
Wallets

Every card and every wallet

Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and Samsung Pay. If a customer can tap it, you can accept it, with digital receipts by text or email.

All major cardsDigital walletsSMS & email receipts
Why Tap-On-Phone

Everything you need. Nothing you don’t.

Zero Extra Hardware

No card reader. No dongle. No charging cables or extra devices to carry. Your phone is the terminal, that’s it.

Accept in Seconds

Open the app, enter the amount, hold your phone up. Customer taps their card or phone. Done. The whole process takes under 5 seconds.

Fully PCI Certified

Every tap-to-pay transaction is encrypted end-to-end and PCI DSS compliant. Customer card data is never stored on your device.

Accept All Cards & Wallets

Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay, Samsung Pay, if a customer can tap it, you can accept it.

Digital Receipts

Send receipts instantly by SMS or email. No printer required. Customers love it, and it’s better for the environment.

Perfect for Any Setting

Food trucks, farmers markets, trade shows, pop-ups, tableside service, delivery drivers, anywhere you go, your terminal goes too.

Requirements

What you need to get started

Your phone

iPhoneiPhone 12 or newer, iOS 16 or later
AndroidAndroid 10 or newer with NFC and Google Play Services

What it takes

CardsVisa, Mastercard, Amex, Discover (contactless)
WalletsApple Pay, Google Pay, Samsung Pay

Security & receipts

SecurityPCI DSS compliant, end-to-end encrypted, Face ID or passcode
ReceiptsSMS or email, no printer needed

Setup

HardwareNone. No reader, dongle or cables
SetupInstructions sent after approval, live in minutes
In action

The whole terminal fits in your pocket.

iPhone showing the Tap to Pay screen
9:41
PaymentsFinance
$8,888.50
Today ↑ 20.82%
34
Transactions
All Locations
ThuFriSatSunMonTueToday
DayMonth
Latest TransactionsView All
Sale ••• 2222Today, 10:34pm
$147.77Approved
VISA
Sale ••• 2222Today, 10:22pm
$62.40Approved
AMEX
Sale ••• 2222Today, 10:12pm
$147.77Declined
Sale ••• 2222Today, 9:58pm
$17.25Approved
Salon client tapping a card on the stylist's phone
Phone showing digital wallet cards
Checkout

Customer taps, you get paid

Enter the amount, turn your phone around and the customer taps their card or phone to the back of it. The sale is approved in seconds, no reader in between.

Under 5 secondsAny contactless cardApple Pay & Google Pay
Your dashboard

Your sales, live on the home screen

Open the app and today’s sales, transaction count and a day-by-day chart are right there. Every tap shows up in the list the second it’s approved.

Today’s salesDay & month viewEvery transaction
Anywhere

Built for real counters and no counters

Salons, food trucks, markets, deliveries, tableside. Wherever the sale happens, your terminal is already in your pocket.

No hardwareWorks anywhereNothing to charge
Wallets

Every card and every wallet

Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and Samsung Pay. If a customer can tap it, you can accept it, with digital receipts by text or email.

All major cardsDigital walletsSMS & email receipts
✓
Zero Extra HardwareNo card reader. No dongle. No charging cables or extra devices to carry. Your phone is the terminal, that’s it.
✓
Accept in SecondsOpen the app, enter the amount, hold your phone up. Customer taps their card or phone. Done. The whole process takes under 5 seconds.
✓
Fully PCI CertifiedEvery tap-to-pay transaction is encrypted end-to-end and PCI DSS compliant. Customer card data is never stored on your device.
✓
Accept All Cards & WalletsVisa, Mastercard, Amex, Discover, Apple Pay, Google Pay, Samsung Pay, if a customer can tap it, you can accept it.
✓
Digital ReceiptsSend receipts instantly by SMS or email. No printer required. Customers love it, and it’s better for the environment.
✓
Perfect for Any SettingFood trucks, farmers markets, trade shows, pop-ups, tableside service, delivery drivers, anywhere you go, your terminal goes too.
iPhoneiPhone 12 or newer, iOS 16 or later
AndroidAndroid 10 or newer with NFC and Google Play Services
CardsVisa, Mastercard, Amex, Discover (contactless)
WalletsApple Pay, Google Pay, Samsung Pay
SecurityPCI DSS compliant, end-to-end encrypted, Face ID or passcode
ReceiptsSMS or email, no printer needed
HardwareNone. No reader, dongle or cables
SetupInstructions sent after approval, live in minutes
Who it’s for

If the sale happens away from a counter, this is your terminal

Food TrucksFarmers MarketsSalons & BarbersDelivery DriversTrade Shows & Pop-UpsTableside Service

Start accepting payments anywhere, today.

No hardware to order. No long setup. Download, sign in and start taking payments from any iPhone or Android in minutes.

Get started with PayConcepts →