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Home>Taking Payments On A Mobile Device

Accept Payments with the Contactless + Chip Reader

Square’s standard processing fee of 2.65% per transaction applies to all credit card payment types (chip cards, contactless and magstripe) while debit cards have a flat fee of 10¢ per transaction. You can read more about how processing fees and rates are calculated.

You can accept credit cards through tap, chip, magstripe or manually entered for any amount. You can also accept debit payments for any amount. To accept debit payments over $100, customers will be prompted to insert their debit card and enter a PIN.

To help teach your employees how to accept payments with the Square contactless and chip reader, download this quick guide.

The contactless and chip reader connects to your device via Bluetooth LE, so it’s compatible with a wide range of devices – even ones that don’t have a headphone jack.

Accept EMV Chip Cards

Watch this video to learn how to accept chip cards with the contactless and chip reader:

Insert a Chip Card

When your customer is ready to checkout:

  1. Make sure your reader is connected with your device.

  2. Open the Square app, add items to your current sale, and then tap Charge. You can tap Charge before or after the chip card is inserted. Note: If you’re using a mobile device, or your tablet is being used in portrait mode (vertically), tap Review Sale > Charge.

  3. Insert the chip card (chip-side first with the front of the card facing up) into the wide port on the top of your reader.

  4. Leave the card in the reader for the whole transaction.

  5. Have your customer enter their pin on your device.

When you see four green lights on the reader and a confirmation message in the app, the payment has successfully completed and you can remove the chip card.

Accept Contactless (NFC) Payments

Watch this video to learn how to accept contactless payments:

You can accept the following contactless payment options: Apple Pay, Google Pay and contactless cards.

When you’re ready to ring up your customer:

  1. Make sure your reader is connected with your device.

  2. From the Square app, add items to your current sale, and then tap Charge to prepare the reader for the payment. Keep in mind, if you are accepting a tip and your customer wants to tap, you’ll need to select Contactless as the payment type before your customer taps.

  3. When you see one green light on the reader, it’s ready to take your customer’s payment. Ask your customer to hold their device or Interac Debit card over the reader to complete the sale.

Note: If you don’t see a green light, tap “Re-enable Apple Pay and Contactless” from the app.

When you see four green lights, hear a beep and see a confirmation in the Square app, the payment has successfully completed.

Keep in mind: Only transactions up to $100 can be processed with tap debit. For debit transactions over $100, sellers will be prompted to insert their debit card and enter a PIN.

Accept Magstripe Credit Cards

To accept magstripe-only cards, use the included magstripe reader. Insert the reader into the headphone jack of your iOS or Android device and swipe the card.

For more information, review frequently asked questions about the contactless and chip reader.

Keep in mind: Debit cards are currently not supported for swiped transactions.

Enable Mastercard Audio Tone

To enable or disable the Mastercard audio tone for the Square POS app at the completion of a successful transaction with Mastercard:

  1. Tap More.

  2. Tap Settings > Payment sounds.

  3. Toggle on or off Allow card network sounds.

If enabled, the tone will only be heard for inserted or tapped Mastercard debit and credit cards.

Learn more about: Point of Sale

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