---
title: Tap to Pay
description: Accept contactless cards and mobile wallets on a compatible phone with Tap to Pay, with no extra hardware. Setup, taking a sale, and tips.
url: https://thepoints.io/docs/merchants/tap-to-pay
audience: [merchants]
status: Live
---

# Tap to Pay

Tap to Pay lets you accept contactless cards and mobile wallets on a compatible smartphone. You do not need a separate terminal or card reader.

## Who it suits

- Mobile businesses such as food trucks, market stalls, pop-ups, and event sellers
- Field service such as contractors, plumbers, electricians, HVAC, and landscaping
- Delivery and on-site sales teams
- Small retail and services such as boutiques, salons, trainers, consultants, and repair shops

## What you need

- An approved Points Business merchant account with Tap to Pay set up
- A compatible phone running a recent version of its operating system. Support confirms which phones and versions work.
- The app, your sign-in, and your activation codes, all provided by support during setup

## Set up your phone

1. **Install the app** support points you to and sign in with the email and password you were given. If you do not have a sign-in, contact support.
2. **Allow Tap to Pay** when the app asks for permission. The phone needs this to accept contactless payments securely.
3. **Enter your activation codes.** They connect the phone to your merchant account.
4. **Choose how to take payments.** You can make tap the default and still type in a card when needed.
5. **Review settings,** such as turning on tips.
6. **Run a small test sale** and check that it shows in the [Merchant Dashboard](/docs/merchants/merchant-dashboard).

## Take a payment

1. Enter the amount and confirm.
2. If tips are on, the customer picks a suggested tip, enters their own, or chooses no tip.
3. The customer holds their contactless card or phone wallet near the back of your phone.
4. Wait for the approval message, then offer a receipt.

Tap to Pay accepts major cards and mobile wallets that support contactless payments.

## Tips

Turn tips on in the app settings. To change the suggested tip amounts, contact support.

## Good habits

- Close out daily so deposits are not delayed. See [Deposits and batches](/docs/merchants/deposits-and-batches).
- Keep the phone updated and protected with a passcode.
- Never write down or store a customer's card number.

## Need help?

Email info@thepoints.io or call (833) 374-1518.