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Home>Taking Payments On A Mobile Device

Accept Payments with the Contactless + Chip Reader

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. Square Reader for contactless and chip is not compatible with Offline Mode at this time. You can accept magstripe payments while in Offline Mode with Square Reader for Magstripe.

Accept EMV Chip Cards

Insert a Chip Card

When your customer is ready to checkout:

  1. Make sure your reader is connected to 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 until the reader beeps and shows 4 green lights, which means you can remove the card.

Swipe a Chip Card

You can also complete a sale by swiping a chip card using the magstripe reader or Square Stand. This feature comes in handy during peak business hours, when you need to process sales quickly, as swiped transactions process faster than inserted EMV chip card transactions. A deli, for example, may turn on this feature during lunch hours to make sure customers can quickly move through the line.

To swipe chip cards:

  1. Tap More from the navigation bar at the bottom of your screen > Settings > Checkout.

  2. Tap Swipe Chip Cards and toggle it on.

  3. Review the liability warning on the screen and agree to the terms to continue. Liability Warning: By swiping chip cards and choosing not to insert them into the EMV card slot of your Square contactless and chip reader, you understand that you’re liable for any possible EMV card fraud.

  4. Use the magstripe reader or connected Square Stand to swipe the chip card.

Note: You can toggle this feature off/on at any time.

Accept Contactless (NFC) Payments

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

When you’re ready to ring up your customer:

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

  2. From the Square app, add items to your current sale, and then tap Charge to prepare the reader for the payment.

  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 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 and hear a beep, the payment has successfully completed.

Accept Magstripe 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. Learn how to swipe card payments with the Square Magstripe Reader in our Support Center.

To help teach your employees how to accept payments, download this quick guide.

For more information, review Square Contactless + Chip Reader Frequently Asked Questions.

Square’s standard processing fee of 2.6% + 10¢ per transaction applies to all card payment types – chip cards, contactless, and magstripe. You can read more about how processing fees and rates are calculated.

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 the three horizontal lines in the upper left corner. 

  2. Tap Settings > Payment sounds.

  3. Toggle on or off Allow card network sounds.

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

Learn more about: Point of Sale

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