Stripe Tap to Pay

Accept contactless payments with just your phone

Turn your iPhone or Android into a payment terminal. Accept tap-to-pay cards, Apple Pay, and Google Pay without any additional hardware.

$875M+
processed since 2015
220K+
businesses worldwide
4.8
App Store rating
135+
currencies supported

How it works

Your phone becomes a payment terminal

Tap to Pay uses your device's built-in NFC technology to accept contactless payments. Customers simply tap their card, phone, or watch on your device to pay—no dongles, readers, or additional hardware required.

1

Enable Tap to Pay in the app settings

2

Create a charge and select Tap to Pay

3

Customer taps their card or phone on your device

4

Payment is processed instantly

Requirements

Available on iPhone and Android

Both platforms offer identical functionality. Use whichever device you already have.

iPhone
Android
Device requirement
iPhone XS or later
NFC-enabled Android
OS version
iOS 16.4+
Android 9+
Contactless cards
Apple Pay
Google Pay
Processing rate
2.7% + 15¢
2.7% + 15¢
Offline payments
Availability
US, UK, AU + more
US, UK, AU + more
iPhone detailsAndroid details

Features

What you get with Tap to Pay

No hardware needed

Your phone is the terminal. Accept contactless payments without buying any additional equipment.

Competitive rates

Tap to Pay transactions are processed at 2.7% + 15¢. No hardware costs—just your phone and your Stripe account.

Accept digital wallets

Customers can pay with Apple Pay, Google Pay, or any contactless-enabled card or device.

Instant setup

Enable Tap to Pay in the app settings and start accepting payments immediately. No approval wait.

Need more options?

Consider a card reader

Card readers accept chip cards, swipe, and work offline. If you need to accept non-contactless payments or want offline capability, a Bluetooth reader is a great addition.

Browse card readers

2.7% + 5¢

Card reader rate

Offline

Payment support

Chip

Card support

From $59

One-time cost

Common questions

What's the difference between Tap to Pay and using a card reader?
Tap to Pay uses your phone's NFC chip to accept contactless payments—no additional hardware needed. Card readers support chip cards, magstripe, and offline payments in addition to contactless. Tap to Pay is great for getting started quickly; card readers offer more payment options and lower fees.
Do I need an internet connection?
Yes, Tap to Pay requires an active internet connection to process payments. Unlike Bluetooth card readers, it cannot store transactions offline. Make sure you have WiFi or cellular data before accepting payments.
Can customers insert or swipe their card?
No, Tap to Pay only accepts contactless payments. Customers must tap their card or phone. If a customer doesn't have a contactless card, you'll need a card reader or can use manual card entry (at higher rates).
Is Tap to Pay available in my country?
Tap to Pay on iPhone is available in the US, UK, Australia, Canada, France, Germany, Ireland, Netherlands, and more countries. Android availability varies. Check your app settings to see if Tap to Pay is enabled for your account.
What are the fees?
Stripe charges 2.7% + 5¢ per in-person transaction, plus an additional 10¢ per Tap to Pay authorization (2.7% + 15¢ total). Payment for Stripe adds a 1% fee on charges created through the app.

Accept payments
in 60 seconds

Download the app, connect your Stripe account, and you're ready to accept your first payment. No hardware, no setup fees, no monthly costs.

Download for iOSDownload for Android
No monthly feesNo hardware requiredWorks with your Stripe account