Tap to Pay on iPhone

With Tap to Pay on iPhone and Qonto, you can accept all types of in-person, contactless payments right on your iPhone—from physical debit and credit cards to Apple Pay and other digital wallets—no extra terminals or hardware needed. It's easy, secure, and private.

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Discover pricing
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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

How it works

Accept payments in a few simple steps

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

Show your iPhone to the customer so they can proceed with the payment 

Your customer holds their card or device at the top of your iPhone, over the contactless symbol

When you see the "Done" checkmark, the transaction's complete. With Qonto, reconciliation happens automatically.

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Built-in security

Built-in iPhone 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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Automatic reconciliation

Transactions automatically sync with your account

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Experts are on hand, 7 days a week

No extra hardware needed

  1. Use the device you already own.
  2. Zero equipment investment necessary.
  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 iPhone today. Start accepting professional payments in minutes.

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Terms apply. Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets.

This solution's perfect for:

Beauty professionals

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Taxi drivers

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Artisans

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Plumbers

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Learn more about Tap to Pay

What is Tap to Pay on iPhone?

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

Which iPhone models support Tap to Pay on iPhone?

Tap to Pay on iPhone works with iPhone XS and later models running iOS 16.4 or newer. To check your iPhone compatibility, go to Settings > General > About to view your model and iOS version.

Which payment methods can I accept with Tap to Pay on iPhone?

With Tap to Pay on iPhone, 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 on iPhone?

Tap to Pay on iPhone leverages the built-in security features of iPhone 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 on iPhone?

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 on iPhone 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 on iPhone?

Setting up Tap to Pay on iPhone is simple:

1. Ensure you have a compatible iPhone with the latest iOS version

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

3. Start accepting payments immediately

Can I use Tap to Pay on iPhone without internet connection?

Yes, Tap to Pay on iPhone 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.

Is Tap to Pay on iPhone available in all countries?

Tap to Pay on iPhone is available in most European countries where Qonto operates, with the exception of Spain. For the most up-to-date information on availability, please visit developer.apple.com/tap-to-pay/regions

How does Tap to Pay on iPhone 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.