With Tap to Pay on iPhone, you can accept all types of in-person, contactless payments right on your iPhone and expand how and where you do business. Reach new customers with a simpler checkout experience, take payments on the go, and explore new setups. All you need is your iPhone and the Yoco App.
How it works
Open the Yoco App on your iPhone and enter the purchase amount.
Present your iPhone to the customer.
Your customer holds their device at the top of your iPhone, over the contactless symbol for a few seconds.
When you see the Done checkmark, the card read is complete and the transaction is being processed.
Compatible devices
Tap to Pay on iPhone is compatible with iPhone XS or later and works best with the latest version of iOS. It can’t be used on an iPad.
✨ Need to update your iOS? Click here for a step-by-step guide.
Payment options
With Tap to Pay on iPhone and Yoco, you can accept all types of in-person, contactless payments right on your iPhone. It’s easy, secure, and private.
Physical credit and debit cards.
Apple Pay and other digital wallets.
NFC-enabled wearables like smartwatches.
Fees
There are no setup fees for Tap to Pay on iPhone. Standard Yoco transaction fees apply, depending on your Yoco Plan and monthly turnover. Tap to Pay on iPhone is part of our Core, Accelerate and Pro Plans. Click here to find out more about our Fees & Plans.
Security
Tap to Pay on iPhone uses the built-in security and privacy features of iPhone to help protect your business and customer data. When a payment is processed, Apple doesn’t store card numbers or PIN information on Apple servers. So merchants and customers can rest assured that their data stays theirs.
Transactions that require PIN entry will automatically prompt a PIN entry screen when using Tap to Pay on iPhone. During a transaction, Tap to Pay on iPhone is designed to prevent all photo, video, screenshot, and screen-recording features on the merchant’s iPhone from capturing a customer’s card number or PIN information.
For customers needing visual or other assistance, accessibility options are built into Tap to Pay on iPhone to help them securely enter PIN information. Audible instructions guide customers to draw their PIN on the screen or tap the screen to indicate each digit—tapping once for 1, twice for 2, and so on. To submit their PIN, they simply swipe right with two fingers.
❗Important: If you’re not already using a passcode or Face ID on your iPhone, strengthen your security by setting them up. Go to Settings > Face ID & Passcode.
* Tap to Pay on iPhone Encryption and Storage: Encrypted card numbers are temporarily stored on iPhone only for transactions made in Store and Forward mode.
✨ Tap to Pay on iPhone FAQs
What if a contactless payment card isn’t being read? The performance of contactless cards can vary based on the card design, such as the card material or the location of the antenna. As a result, some cards connect more easily than others.
Try the following to ensure a successful card read:
First, ask the customer to hold their contactless payment card directly on the device with the chip on the left side and the longer side of the card lined up with the edge of the tap area for several seconds.
If the card still doesn’t read, ask the customer to slide the card to centre the chip directly over the notch on the device.
If the contactless card remains unread without any feedback from the interface, the card might have a damaged antenna or might not work with contactless payments.
Will I pay extra for Tap to Pay on iPhone, if I already own a Yoco card machine(s)? No, there’s no additional cost to use Tap to Pay on iPhone if you’re on our Core, Accelerate or Pro Plans. Click here to find out more about our Fees & Plans.
How long will the funds from a Tap to Pay on iPhone transaction take to reflect in my bank account? This depends on whether you’re signed up for Standard, Weekly, or Fast Payout. Click here to find out more about Yoco Payouts.
Can I link multiple iPhones to the same Yoco profile? Yes, it’s possible to link several iPhones to the same Yoco profile.
Can I sell products with Tap to Pay on iPhone? No, it’s not currently possible to use your product catalogue with Tap to Pay on iPhone.
Can Tap to Pay on iPhone be used with the Yoco POS App? Tap to Pay on iPhone is currently only available to use with the Yoco App (mobile or web).
Does Tap to Pay on iPhone have a per-transaction limit? Yes, Tap to Pay on iPhone has a per-transaction limit for contactless payments of R500,000.
Can Tap to Pay on iPhone connect to Yoco Counter? No, Tap to Pay on iPhone doesn’t currently connect to Yoco Counter.
Can I use Tap to Pay on iPhone if my device is in a phone case? Yes, you can. But, we recommend removing any cards you may be storing in your phone case as they could cause read errors, or card clash – this in when the device is confused about which card to charge.
Can you add a tip with Tap to Pay on iPhone? Tipping is not currently available for Tap to Pay on iPhone.
Will my Tap to Pay on iPhone transactions be recorded in my Yoco Sales History? Yes, all transactions processed with Tap to Pay on iPhone will be recorded in your Sales History, and included in your Sales Report.
Will Tap to Pay on iPhone affect my battery life? No, Tap to Pay on iPhone won’t have a significant impact on your iPhone’s battery life.
Will I need an internet connection to use Tap to Pay on iPhone? Yes, to process the payment authorisation in real-time, you’ll need an active WiFi or cellular data connection.
Ready to set up Tap to Pay on iPhone?
Click here to find out how you can set up Tap to Pay on iPhone in the Yoco App and take your first payment.
* Tap to Pay on iPhone Requirements: 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. For Tap to Pay on iPhone countries and regions, see developer.apple.com/tap-to-pay/regions.
* Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.