Get started with Tap to Pay on iPhone
With Tap to Pay on iPhone, you can securely accept contactless payments from Apple Pay, Google Pay, Samsung Pay, and NFC-enabled cards on your iPhone without additional hardware. Tap to Pay on iPhone is currently available with Square Point of Sale, Square Appointments and Square for Retail.
Using Android? Learn how to get started with Tap to Pay on Android.
Pricing, compatibility and transaction limits
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Tap to Pay on iPhone is compatible with all contactless cards and digital wallets such as Apple Pay, Google Pay, and Samsung Pay. Accept any Australian-issued and most international contactless cards with a Visa, Mastercard, American Express and bank-issued eftpos chip card. To know if a card is contactless, look for the wave-like symbol to indicate NFC (Near Field Communication).
Square sellers using Tap to Pay on iPhone will pay a processing fee of 1.9% per transaction.
Square sellers accepting Afterpay Card on Tap to Pay on iPhone will pay a per-transaction processing fee of 6% + 30¢ (excl. GST) per sale.
Tap to Pay on iPhone has a per-transaction limit of $25,000 for mobile wallets (like Apple Pay, Google Pay or Samsung Pay) and physical contactless cards.
Device settings for Tap to Pay on iPhone
To prepare your device to use Tap to Pay on iPhone:
Make sure your iPhone is running iOS 16.4 or higher. To check if your software is up to date, go to Settings > General > Software Update.
If you haven’t already, set a passcode for your iPhone by going to Settings > Face ID & Passcode. Tap to Pay on iPhone requires a device passcode.
If you are not already signed in to your Apple ID on your iPhone, go to Settings > Sign in to your iPhone. If you are already signed in, you will see your name at the top of the Settings screen.
Enable Tap to Pay on iPhone
In your Square POS app:
From the navigation bar at the bottom of your screen, tap ≡ More.
Tap Settings > Account.
Select Tap to Pay on iPhone, then toggle on Tap to Pay on iPhone.
Verify the correct Apple ID is shown. If not, choose Use a Different Apple ID.
Select Agree & Continue to toggle on Tap to Pay on iPhone.
Once you enable Tap to Pay on iPhone, the banner at the top of the screen will read '✔ Tap to Pay' and you will see Tap to Pay on iPhone listed under My hardware by going to ≡ More > Settings > Hardware.
Toggle off Tap to Pay on iPhone to disable the feature at any time.
Important to note:
You will not be able to use Tap to Pay on iPhone if you log in to your Square Point of Sale or Square Appointments POS app using a Device Code. Tap to Pay on iPhone is available with Square for Retail if you use a Device Code to log in.
Make sure your Square POS app is updated to the latest version. You will need an iPhone XS or newer and the phone must be running iOS 16.4 or later to use Tap to Pay on iPhone. Tap to Pay on iPhone is not currently available on iPad.
Once the Account Owner enables Tap to Pay on iPhone, all Team Members under the same account with an eligible device will automatically be able to use Tap to Pay on iPhone. They will also have access to tutorials on how to use the feature within the app.
Accept payments
In your Square POS app:
Go to Checkout and add items from your Library or use the Keypad to enter a custom amount.
Tap Review sale > Charge.
Select Tap to Pay on iPhone and position your phone close to your customer. Have them either hold their card horizontally over the contactless symbol for three seconds or hold any NFC-type devices (like Apple Pay, Google Pay, Apple Watch, etc.) to the front of the phone. Note: If the payment times out before it’s processed, tap Try Again.
Once the payment is complete, have your customer choose their desired receipt method.
Important to note:
If you attempt to process a payment using Tap to Pay on iPhone that is over $100 with a physical contactless eftpos card or over $250 with a physical contactless card (Visa, Mastercard, American Express), your customer will be prompted to enter the card PIN to complete the transaction. This is due to the cardholder verification method (CVM) limits set by the card issuer.
You can enable the PIN entry accessibility mode for customers that need it by tapping Accessibility Options on the PIN screen. The Accessible PIN entry mode will read out the instructions over the iPhone speaker to the customer. Reference instructions in text are also provided on-screen for you.
Find answers to commonly asked questions about Tap to Pay on iPhone via our FAQs.