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Tap to Pay on iPhone

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What is Tap to Pay on iPhone?

Tap To Pay payments powered by HitPay allows you to accept contactless transactions using supported NFC-powered mobile devices. For more information, visit Apple’s Tap to Pay on iPhone page and the Apple Business Connect Tap to Pay on iPhone FAQ.

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iOS Device Compatibility

  • iPhone XS or later
  • Running iOS 18 or later
  • Downloaded HitPay app version 4.8.1 or later
Tap to Pay requires an iPhone XS or later running a one-year or later iOS version. Apple’s Business Register documentation lists supported iOS versions. Advise your users to update to the latest iOS version for the best performance.
Tap to Pay won’t work on beta releases of iOS.
Tap to Pay on iPhone does not work on iPad. This feature is only available on iPhone devices.

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Tap to Pay Availability by Country

Tap to pay is only available in the following countries:
Country
Singapore✓
Australia✓
New Zealand✓
United Kingdom✓
United States✓

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Steps to Set Up

To set up Tap To Pay on iPhone, follow these steps:
  1. Ensure you have an iPhone XS or later running iOS 18 or later.
  2. Download and install the HitPay app from the App Store.
  3. Launch the HitPay app and log in to your HitPay account.
  4. Enable Tap to Pay on iPhone in the HitPay app settings.
  5. Verify the correct Apple ID is shown. If not, select Use a Different Apple ID.
  6. Tap Agree & Continue to turn on Tap to Pay on iPhone.
  7. Follow the on-screen instructions to complete the setup process.
  8. Once set up is complete, you can start accepting contactless payments with Tap To Pay on iPhone.

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Steps to Accept a Payment

Once connected to Tap to Pay, you cannot simultaneously connect to another reader. You need to disconnect Tap to Pay first before connecting to another reader.
To accept a payment with Tap To Pay on iPhone, follow these steps:
  1. Open the HitPay app on your iPhone.
  2. Enter the transaction amount on the app’s home screen.
  3. Choose “Tap to Pay” as the payment method.
  4. Present your iPhone to your customer with the contactless payment icon displayed.
  5. The customer holds their card horizontally or places their payment device directly over the contactless payment icon.
  6. The payment will be processed, and a confirmation will be displayed on the app.
  7. The transaction is complete, and you can provide a receipt to the customer if needed.

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Cardholder verification limits and fallback

Some contactless card transactions above certain amounts might require additional cardholder verification methods (CVM) such as PIN entry. Tap to Pay on iPhone supports PIN entry for devices running iOS 16.4 or later. Tap to Pay on iPhone supports PIN entry in most cases—but not all—because PIN rules depend on card type, bank issuer, and regional regulations.

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Why Transactions May Require PIN

Card issuers set their own rules for contactless payments. Depending on the region or bank :
  • High-value transactions may require extra verification.
  • Strong Customer Authentication (SCA) may force certain cards to be inserted into a terminal.
  • Some cards only support offline PIN, which requires chip insertion.

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PIN Entry Cases

✅ Online PIN Required (Supported by Tap to Pay on iPhone)
  • Contactless transactions above certain amounts might require PIN verification, depending on issuer requirements.
  • The customer can enter their PIN directly on the iPhone screen when prompted.
The following amounts might trigger online PIN verification on the phone:
  • Australia: 100 to 200 AUD depending on the card scheme
  • Canada: 250 CAD
  • Japan: 15,000 JPY
  • New Zealand: 200 NZD
  • Singapore: SGD 200
  • United Kingdom: 100 GBP
❌ Offline PIN (Not Supported by Tap to Pay on iPhone)
  • Tap to Pay on iPhone will not work with offline PIN cards.
  • Offline PIN cards require physical contact (card insertion) which isn’t supported with Tap to Pay.
Fallback OptionsIn these scenarios, we recommend asking the customer to try a different card or collecting payment in a different way. For example:

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FAQs

Tap to Pay on iPhone requires iPhone XS or later. Make sure your device meets these requirements before setting up.
Tap to Pay on iPhone works best with the latest version of iOS. To update to the latest version of iOS on your iPhone, go to Settings > General > Software Update. Then tap Download and Install.
With Tap to Pay on iPhone, you can accept all types of in-person, contactless payments right on your iPhone — from physical debit and credit cards to Apple Pay and other digital wallets, including Android. Some contactless cards may not be accepted by your payment app. Transaction limits may apply.
Accepting payments with Tap to Pay on iPhone is easy. First, enable Tap to Pay on iPhone in the HitPay app. Then open the HitPay app, enter the purchase amount, and present your iPhone to your customer. Customers can hold their card horizontally or place their payment device directly over the contactless payment icon. They can pay with a physical debit or credit card, Apple Pay, or other digital wallets, including Android.
Yes. Tap to Pay on iPhone is designed with privacy and security built in:
  • Apple doesn’t store card numbers or PINs on Apple servers.
  • Encrypted card numbers are temporarily stored on iPhone only for transactions made in Store and Forward mode.
  • Designed to block camera and screen captures during transactions.
To ensure you have the latest iOS security and privacy protections, update your iPhone to the latest version of iOS.
No. There’s no need to invest in or manage card readers and terminals. All you need is your iPhone and the HitPay app to accept contactless payments.
For more details about using Tap to Pay on iPhone, integrating it with your business, and troubleshooting, visit the Apple Business Connect Tap to Pay on iPhone FAQ page.