Tap to Pay on iPhone

Offer an easy and trusted payment experience

Merchants using Tap to Pay on iPhone present a consistent and trusted payment experience to customers. The screen shown to customers clearly indicates the amount being charged, the merchants name, the category icon, and directions on where to tap their card or device.

With Tap to Pay on iPhone, customers payment data is protected by the same technology that makes Apple Pay private and secure. All transactions made using Tap to Pay on iPhone are encrypted and processed using the Secure Element and, as with Apple Pay, Apple doesnt know whats being purchased or who is buying it.

Validate payment cards and purchases

In addition to accepting payment, merchants can use Tap to Pay on iPhone to read a customers payment card in-person without making a charge, so they can easily:

• Add a card to a customers file for future payments, such as monthly gym membership dues.
• Look up a previous purchase to help complete transactions, such as issuing a refund without a receipt.

Read and issue loyalty cards

NFC-enabled loyalty cards, discount cards, and points cards in Apple Wallet can be read with Tap to Pay on iPhone independently of or at the same time as payment cards. Merchants that have loyalty cards supported by Apple Wallet can also send requests to Apple Pay customers to join their loyalty program in connection with a Tap to Pay on iPhone transaction.

Build support in your payment app

App developers who want to offer Tap to Pay on iPhone to merchants will first need to integrate with a supported payment service provider (PSP) who processes the payments read by Tap to Pay on iPhone and provides the certified terminal configurations that are loaded on the merchants device. The PSP is responsible for all the necessary certifications and security considerations that allow merchants to accept payments.

Steps to support Tap to Pay on iPhone

1. Work with a PSP that supports Tap to Pay on iPhone in the regions where Tap to Pay on iPhone is accepted.
2. Request the Tap to Pay on iPhone Entitlement from Apple.
3. Integrate the ProximityReader API and/or your PSPs API in your app.
4. Follow the Human Interface Guidelines for your apps design.
5. Build and submit your app for review.

Set up an iPhone

For a merchant to start using Tap to Pay on iPhone, theyll simply need to download a supported payment app from the App Store, accept the terms and conditions on their device, and enable their device to be configured. They can then start accepting payments immediately.

Support loyalty cards and passes from Apple Wallet

Tap to Pay on iPhone allows the reading of NFC passes in a customers Wallet as part of a merchants loyalty program. Your app can:

• Read passes independently of payment, at the same time as payment, or instead of payment if the pass is available.
• Prompt a customer to join a merchants loyalty program after a successful transaction with a push notification.

For details, learn about the ProximityReader API and/or your PSPs API.