What Is Apple Tap to Pay And How Does It Work

In this post we have explained what Apple Tap To Pay is and how you will be able to use this upcoming feature as a customer and a business owner.

Apple has announced a brand new payment solution that will make it super easy for small and large businesses to accept payments from their customers by only using an iPhone.

With Apple Tap To Pay merchants will be able to accept payments with nothing but iPhone. Customer can tap their Apple Pay enabled iPhone, contactless credit or debit card or a digital wallet on merchant’s iPhone in order to make payments.

With Apple Tap To Pay merchants are able to accept payments from anywhere without needing extra hardware or payment terminal.

Want to learn more about Apple Tap To Pay? Then keep reading!

What is Apple Tap To Pay Feature?

Apple Tap To Pay is an upcoming iOS feature from Apple that will enable merchants that includes both small and large businesses to accept payments through Apple Pay, contactless credit and debit cards as well as digital wallets. What makes Apple Tap To Pay feature interesting is that it does not require merchants to have additional hardware or payment terminal in order to accept payments.

How Apple Tap To Pay feature works is simple. Merchants can unlock contactless payment acceptance using a compatible iPhone. At check out the merchant can load up the payment interface on his or her device and ask the customer to hold their iPhone, Apple Watch or a contactless credit or debit card over their iPhone. When the customer does this iPhone will read the device using the built-in NFC technology and process the payment.

Which devices are supported by Tap to Pay?

Apple Tap to Pay feature is supported on iPhone XS or later. Here’s the complete list of supported devices.

  • iPhone XS
  • iPhone XS Max
  • iPhone XR
  • iPhone 11 Pro
  • iPhone 11 Pro Max
  • iPhone 11
  • iPhone 12 Pro
  • iPhone 12 Pro Max
  • iPhone 12
  • iPhone 12 mini
  • iPhone 13 Pro
  • iPhone 13 Pro Max
  • iPhone 13
  • iPhone 13 mini
  • iPhone SE 2020

Merchants will be able to use the devices listed above to accept payments with Tap To Pay

Which locations will offer Tap To Pay?

Apple says all Apple Stores will be offering Tap to Pay later this year in the US. All merchants will be able to use Tap to Pay feature, all they need is a compatible iPhone that can process Tap to Pay payments. This also includes over 90 percent US retailers that already offer Apple Pay payments.

Is Tap to Pay secure?

As you would expect from a company like Apple, Tap to Pay feature is going to be pretty secure. Apple says it is uses the same technology for protecting payment data as Apple Pay has been doing for years.

All transactions made through Tap to Pay are encrypted and processed with Secure Element. Just like Apple Pay, Apple does not know what is being purchased or have information about the buyer.

Which payment networks support Apple Tap To Pay?

Apple says all major payment networks that offer credit and debit cards will be supported at launch. This includes Visa, Mastercard, American Express and Discover.

Payment processing software maker Stripe is going to be the first payment platform to offer Tap to Pay on iPhone to their business customers according to Apple. This includes the Shopify Point of Sale app, which will be getting this support in Spring. More payment platforms and apps will add support for Tap to Pay throughout 2022.

As for the in-app support Apple is offering an Tap to Pay to participating payment platforms and app developer partners in software developer kits in iOS software beta.

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