Our competitive Pricing

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.8%

for EU cards on Premium & Enterprise plans

Up to 30% lower than standalone providers' 1.65-1.75% rates

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Saved

Reduce fees to as low as 0.8% with our Premium & Enterprise plans

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Next business day settlement

Funds available in your account the next business day, not days

Accept Payments in a Few Simple Steps

Open the Qonto app on your smartphone and enter the purchase amount

Open the Qonto app on your smartphone and enter the purchase amount

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Let your customer tap their card or device on the back of your smartphone

Let your customer tap their card or device on the back of your smartphone

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When you see the Done checkmark, the transaction is complete

When you see the Done checkmark, the transaction is complete

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Your reconciliation is automatic on Qonto.

Your reconciliation is automatic on Qonto.

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Secure

Built-in Android security protects both you and your customers

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Transparent Pricing

Clear 1.2% rate for EU cards with no hidden fees or surprises

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Zero Reconciliation Work

Transactions automatically sync with your account

Experts are on hand, 7 days a week - on chat, email, or phone
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No Extra Hardware needed

  1. Use the device you already own.
  2. Zero equipment investment.
  3. Start accepting payments immediately.
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Private & secure

Built-in iPhone security protects business and customer data. No card or PIN is stored, and sensitive info can’t be captured.

Start accepting payments today

Open your account & activate Tap to Pay on your phone today. Start accepting professional payments within minutes.

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Solution perfect for:

Taxi driver

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Artisan

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Beauty professional

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Plumber

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Discover other ways to get paid

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Tap to pay on iPhone

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Payment link

Frequently Asked Questions

What is Tap to Pay?

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 accept physical contactless credit and debit cards, Apple Pay, and other digital wallets using just your smartphon.

Which Android models support Tap to Pay?

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

What payment methods can I accept with Tap to Pay?

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

3. What payment methods can I accept with Tap to Pay?

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

How secure is Tap to Pay?

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

4. How secure is Tap to Pay?

Tap to Pay leverages Apple's built-in security to protect both your business and customer data. Apple doesn't store card numbers or PIN information, and the PIN transaction protection prevents capturing of sensitive information during payment processing.

What are the transaction fees for Tap to Pay?

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.

How quickly will I receive funds in my account?

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.

How do I set up Tap to Pay?

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

Can I use Tap to Pay without internet connection?

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.

How does Tap to Pay integrate with my Qonto account?

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.