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Accept Apple Pay, Google Pay, Samsung Pay, and contactless EMV cards on every modern Clover, Square, Skytab, Dejavoo, PAX, Ingenico, and Payanywhere device — same interchange tier as chip, faster checkout, and fewer abandoned transactions.
Tap to pay (also called contactless payments or NFC payments) lets customers complete a transaction by holding their card, phone, or smartwatch within about 1 inch of a payment terminal. The terminal reads an encrypted token over a short-range radio standard called NFC (Near-Field Communication) — the same standard used by airport boarding passes and hotel key cards.
Tap transactions are processed under the same EMV chip standard as the chip-insert method, so the merchant interchange rate is identical (no premium). The difference is speed: a contactless tap clears in 2-3 seconds vs 8-12 seconds for chip insert. For cafés, QSR, transit, and high-volume retail, that compounds to thousands of dollars in saved labor per year.
Apple introduced Tap to Pay on iPhone in 2022 — a feature that turns any iPhone XS or newer into a payment terminal without external hardware. Payanywhere and Square both support it for merchants who want a zero-hardware mobile checkout option. For most established businesses, a dedicated countertop or handheld device (Clover Mini, Clover Flex, Square Register, Dejavoo Z11) delivers better print/loyalty/kitchen-routing capabilities at similar processing cost.
Every wallet below works on every modern MSC-installed payment device. No app installation or configuration required from the customer.
Tap-to-pay from any iPhone (XS or newer), Apple Watch, iPad, or Mac. Authenticated with Face ID or Touch ID. Accepted at every modern Clover, Square, Skytab, Dejavoo, PAX, and Ingenico device.
Android Pay rebranded — tap-to-pay from any NFC-enabled Android phone or Wear OS watch. Same interchange tier as Apple Pay.
Tap and (legacy) MST swipe from Samsung Galaxy phones and Galaxy Watch. Works at older magstripe terminals via MST emulation.
Physical Visa, Mastercard, AmEx, and Discover cards with the contactless wave icon. Same NFC standard as mobile wallets.
Every device below ships with tap-to-pay enabled out of the box. Authorized installation across the U.S., Canada, Puerto Rico, the USVI, the UK, and Spain.
Handheld 4G LTE POS with tap-to-pay enabled out of the box. Best for tableside, food trucks, and on-the-go merchants.
View8" countertop POS with built-in tap-to-pay reader and printer. Compact footprint for cafés and boutiques.
ViewPortable terminal with built-in tap-to-pay, printer, and offline mode. Locked to Square processing.
View13.25" self-contained POS with customer-facing tap-to-pay display. Best for retail counters.
ViewWireless 4G LTE smart terminal with contactless and dual-pricing firmware. Standalone — no POS software required.
ViewAndroid smart terminal with EMV chip, tap-to-pay, signature capture, and built-in receipt printer.
ViewWireless tableside terminal with contactless, EMV chip, and PIN debit. Enterprise-grade for retail and hospitality.
ViewSmart-Flex E600 mobile terminal with built-in tap-to-pay and printer. Pairs with the Payanywhere app.
ViewTap-to-pay has the biggest impact on industries with high transaction volume and short tickets. These verticals see the strongest ROI from enabling contactless.
Tableside handhelds, drive-thru counters, and café counters benefit most from the 5-second speed advantage.
Apparel, gift shops, bookstores, and convenience stores process 30-50% of card transactions via tap during peak hours.
Mobile merchants rely on contactless because customers rarely carry cards at festivals — phones are always within reach.
Tap transactions complete in 2-3 seconds vs 8-12 seconds for chip insert or signature. Cuts line wait by 40-60% during peak hours.
Every tap is tokenized — your terminal never sees the customer's real card number. Same EMV cryptography as chip cards.
Customers who forgot their wallet still pay via phone, watch, or ring. Recovers an estimated 3-5% of transactions that would otherwise abandon.
EMV/contactless transactions shift fraud liability from the merchant to the card issuer when properly processed.
Tap-to-pay is built on the EMVCo contactless specification — the same global standard that powers chip cards. Every tap generates a one-time cryptogram that's useless if intercepted. The merchant device never sees the customer's real card number; it sees a tokenized representation that only the issuer can decrypt.
From a merchant-liability standpoint, tap transactions enjoy the same EMV liability shift as chip cards: if a fraudster uses a stolen contactless card and the merchant processed it via a contactless-enabled terminal, the loss is the card issuer's responsibility — not the merchant's. (By contrast, processing the same card on a magstripe-only terminal would have shifted the loss to the merchant.) Upgrading to contactless-ready hardware is one of the simplest fraud-loss reductions a merchant can make.
We'll audit your current terminals, swap any pre-2018 hardware for a contactless-ready model, and re-program processing in under a week. Free hardware available on qualifying processing plans.
Explore Payment Terminals
Tap to pay (also called contactless or NFC payments) lets a customer complete a card transaction by holding their card, phone, or smartwatch within about 1 inch of a payment terminal. The terminal reads an encrypted EMV cryptogram over a short-range radio standard called NFC (Near-Field Communication). Same security as chip insert, but 5-9 seconds faster per transaction.
No. Tap-to-pay transactions are processed under the same EMV interchange tier as chip-insert transactions — there is no premium. The processing cost is identical.
Every modern MSC-installed terminal supports tap to pay out of the box: Clover Flex/Mini/Station Solo/Duo, Square Terminal/Register/Stand, Skytab Pro and Skytab Mobile, Dejavoo Z11/Z9/QD3, PAX A920/A77, Ingenico Move 5000/Lane 3000, and Payanywhere Smart Flex E600. If your current terminal pre-dates 2018, it likely needs replacement.
Tap to Pay on iPhone is a feature Apple introduced in 2022 that turns any iPhone XS or newer into a payment terminal — the iPhone reads a contactless card or another iPhone/Apple Watch using the device's built-in NFC chip, with no external hardware. Payanywhere and Square both support it as a zero-hardware mobile checkout option for solopreneurs and field-service merchants.
Yes. Each tap generates a one-time encrypted cryptogram that's useless if intercepted. The merchant terminal never sees the customer's real card number, only a tokenized representation that only the card issuer can decrypt. Tap-to-pay also qualifies for the EMV liability shift — fraud loss is the issuer's responsibility, not the merchant's, when the transaction is properly processed.
Tap to pay clears in 2-3 seconds because the card or device doesn't need to maintain physical contact with the chip reader during the cryptographic exchange. Chip-insert (dip) typically takes 8-12 seconds because the card must remain inserted while the issuer's authorization round-trip completes. The speed advantage compounds during peak hours — cafés and QSR concepts often process 30-50% of card transactions via tap to keep the line moving.
