Tap to Pay on your phone

Tap to Pay is a contactless payment acceptance solution that allows you to accept in-person payments directly on your smartphone without additional hardware. You can easily accept physical contactless credit and debit cards, Apple Pay, and other digital wallets simply by using your phone.

Tap to Pay is available on Android devices running Android 12 or higher.

With Tap to Pay, you can accept all major contactless payment methods including:

• Physical contactless debit and credit cards
• Apple Pay
• Other digital wallets like Google Pay and Samsung Pay

Tap to Pay leverages built-in Android security to protect both your business and customer data. Card numbers and PIN information isn't stored, and transaction protection prevents sensitive information from being captured during payment processing.

Qonto charges just 1.2% for EU consumer cards (compared to competitors' typical rates of 1.65-1.75%). Premium plans reduce this fee to as low as 0.8%. For non-EU consumer and all business cards, a fee of 2.6% applies. Your first 5 transactions are completely free.

Funds from Tap to Pay transactions settle to your Qonto account the next business day, significantly faster than many competitors who can take 2-3 days.

Setting up Tap to Pay is simple:

1. Ensure you have a device supporting Android 12 or higher.

2. Open your Qonto app and activate Tap to Pay in the settings

3. Start accepting payments immediately

Yes, Tap to Pay works in offline mode, allowing you to continue accepting payments even when you lose service or Wi-Fi connection. Transactions will sync automatically when connectivity is restored.

All transactions automatically sync with your Qonto account, eliminating manual reconciliation work. You'll see all payment details in your dashboard, making accounting and financial management seamless.