Accept contactless payments right on your iPhone

Tap to Pay on iPhone allows you to accept contactless payments — including credit and debit cards, Apple Pay, and other digital wallets — using just your iPhone. No additional hardware is needed.

Tap to Pay on iPhone is available on iPhone XS and later models running the latest version of iOS.

Tap to Pay on iPhone supports contactless credit and debit cards from participating payment networks, Apple Pay, Apple Watch, and smartphones and other devices with contactless payment-enabled digital wallets.

Yes. Tap to Pay on iPhone uses the built-in security features of iPhone. Payment data is encrypted and processed using the Secure Element. Apple doesn’t know what’s being purchased or who’s buying it, and doesn’t store card numbers on the device or on Apple servers.

Download the Zoca app, connect your Stripe account, and enable Tap to Pay on iPhone in your Settings. You’ll be able to accept payments in just a few minutes.

There’s no additional cost from Apple to use Tap to Pay on iPhone. Standard Stripe processing fees apply to each transaction. Check Stripe’s pricing page for current rates.

Tap to Pay on iPhone is ideal for any small business that takes in-person payments — including retail, food and beverage, services, events, farmers markets, salons, and more.

Tap to Pay on iPhone with Zoca works slightly differently to traditional payment terminals. Instead of the customer inserting or swiping their card, they simply hold their contactless card or device near the top of your iPhone. For businesses that primarily accept contactless payments, it can fully replace a traditional terminal.

Generally, an active internet connection (mobile data or Wi-Fi) is required to process payments with Tap to Pay on iPhone. Some payment service providers may support limited offline functionality, but an internet connection is needed to complete most transactions.

Currently, Tap to Pay on iPhone through the Zoca app is exclusively available with Stripe as the payment provider. If you use a different payment provider with Zoca for online payments, you’ll need to also connect a Stripe account to use the Tap to Pay feature. Setting up Stripe is free and only takes a few minutes.

All payments you accept with Tap to Pay on iPhone are processed by your payment service provider (in Zoca’s case, Stripe) and then deposited to the bank account you’ve set up with that provider. Stripe is the entity you’ve registered with for payment processing and the integration behind Tap to Pay on iPhone in the Zoca app. If you have any questions about payments, speak with your payment service provider.

From the PIN entry screen, tap Accessibility Options to turn on the accessibility mode. The device will read out instructions. To enter your PIN, draw each digit on the screen (iOS 17.0 or later) or tap the screen for each digit — tap once for 1, twice for 2, and so on, ten times for 0. Pause between taps or drawing for each digit. To submit a PIN, swipe right with two fingers. To delete a digit, swipe left with two fingers. Double tap with two fingers to repeat instructions. To turn off accessibility mode, tap Turn Off Accessibility Options. Note: PIN entry times out after 5 minutes.

You can turn on the Tap to Pay on iPhone Screen Lock setting for your payment app to lock your device screen during PIN entry. After the customer completes or cancels their PIN entry, unlock the device to continue the transaction. On your iPhone, go to Settings > [your payment app], then turn on Tap to Pay on iPhone Screen Lock.

No. Tap to Pay on iPhone won’t have a noticeable impact on battery life. You can use it throughout the day without worrying about significant additional battery drain.

Contactless cards have an EMV Contactless Indicator — a small symbol that looks like a series of curved lines (similar to a Wi-Fi symbol turned on its side) — on the back or front of the card. If the card has this symbol, it can be used with Tap to Pay on iPhone.

The performance of contactless cards can vary based on the card design, material, or antenna location. First, ask the customer to hold their contactless payment card directly on the device with the chip on the left side and the longer side of the card lined up with the edge of the tap area for several seconds. If the card still doesn’t read, ask the customer to slide the card to center the chip directly over the notch on the device. If the card remains unread without any feedback, it might have a damaged antenna or might not work with contactless payments.

This means the customer is using a contactless card that your payment service provider doesn’t support. For example, an international customer may have a card that isn’t widely accepted outside their region. Your payment service provider (Stripe, in the case of Zoca) determines which cards to accept in their Tap to Pay on iPhone configuration.

This error occurs during setup on a new device if there is insufficient space to load Tap to Pay on iPhone, usually caused by having too many payment cards set up in Apple Wallet. Try removing one or more cards from Apple Wallet and then try to use Tap to Pay on iPhone again.

If you want to unlink a merchant ID from your Apple Business Connect account, sign into Apple Business Connect, navigate to “Tap to Pay on iPhone,” select the merchant ID you want to change, then select “Remove.”

If you want to remove all Tap to Pay on iPhone merchant IDs connected to your Apple Account, visit Apple’s merchant ID removal page and sign in with your Apple Account, then select “Remove all merchant IDs.” Note: This method won’t work if you already have an existing Apple Business Connect account — in that case, you can only unlink merchant IDs by signing into Apple Business Connect directly.

Sign in to Apple Business Connect with the same Apple Account used for Tap to Pay on iPhone to view your merchant IDs and add them to your Apple Business Connect account. Make sure you’re using the correct Apple Account associated with your Tap to Pay setup.

You can submit a help request through Apple Business Connect. Sign in to your Apple Business Connect account, then select Help from the navigation bar to submit a help request to the Apple Business Connect support team.

If you have a firewall at your place of business, you may need to configure your network to allow Tap to Pay on iPhone connections. See the section for Tap to Pay on iPhone in the Apple Support article “Use Apple products on enterprise networks” for the specific ports and domains that need to be allowed.

On your iPhone with iOS 18.4 or later, go to Settings > [your payment app], then turn on Improve Tap to Pay on iPhone. This triggers periodic notifications asking for your feedback during your use of Tap to Pay, allowing you to submit feedback along with automatically captured diagnostic logs directly to Apple. If you’re not seeing the feedback notification, go to Settings > Notifications > Feedback, then turn on Allow Notifications.