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Chargeback Protection + Fee Optimization

See how it works: high-volume merchants get automated dispute evidence, interchange optimization, and real-time savings visibility.

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Fee Check

Smartphone acceptance

Accept contactless cards and wallets on your compatible smartphone

Tap to Pay turns a supported iPhone or Android phone into a contactless payment terminal, with no separate card reader. It accepts tap cards and mobile wallets on the same merchant account and dashboard as physical terminals. It is contactless only: chip insert and PIN debit still need a terminal. For businesses in Canada, confirm supported phones.

  • No extra card reader hardware to buy or charge
  • Same dashboard as physical terminals
  • Fast activation for pop-up and mobile teams
Get StartedView Pricing
Café worker taking a Visa tap on a phone running RapidCents Tap to Pay.
A café worker holds a phone running RapidCents Tap to Pay, showing an $18.75 sale and the contactless symbol, while a customer holds a Visa card to the screen. No separate card reader is present.
  • No separate reader to lose
  • PCI scope reduced via phone SDK
  • SOC 2 Type II
  • Contactless limit compliant
  • Works with existing merchant ID

Who it's for

  • Mobile beauty and wellness

    Stylists accept payment at the chair without shared hardware.

  • Food trucks and markets

    Start accepting cards on day one without terminal shipment delays.

  • Field contractors

    Collect final payment on a phone already in the technician's pocket.

Core capabilities

  • Contactless cards and wallets

    Accept tap cards, Apple Pay, Google Pay and compatible wallets.

  • Amount entry on phone

    Staff enter total or select from simple catalog.

  • Digital receipts

    Email or SMS receipt immediately after approval.

  • Tip prompts

    Optional tip screen before customer taps.

  • Unified reporting

    Tap to Pay sales appear alongside terminal transactions.

How it works

  1. Verify device compatibility with your advisor.

  2. Enable Tap to Pay on approved merchant account.

  3. Download RapidCents acceptance app on staff phones.

  4. Run test tap with contactless card or wallet.

  5. Transactions sync to merchant dashboard in real time.

Tap to Pay scenarios

  • Salon chairside checkout

    Stylist enters service total; client taps phone with card or wallet.

  • Farmers market stall

    Vendor processes small-ticket sales without countertop setup.

  • Delivery driver COD replacement

    Driver collects card payment at doorstep instead of cash.

  • Pop-up retail event

    Brand ambassadors sell merchandise with phones only.

Dashboard and reporting

Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.

Watch how it works…Try it, edit values and click buttons

Merchant dashboard

Today
$4,218
Deposits
$12,482
Disputes
2 open
In-person
$842
Online
$1,104
Virtual terminal
$392

Demonstration data only

Integrations

  • Merchant dashboard

    All Tap to Pay activity in unified transaction search.

  • Staff device management

    Enable or disable acceptance on enrolled devices.

  • Accounting exports

    Include mobile acceptance in settlement exports.

Works with Tap to Pay

Capabilities on the same account, so the parts below connect without a second integration or a second contract.

Security

  • Tokenized acceptance

    Card data never stored on merchant phone.

  • Staff login required

    App locked behind merchant credentials.

  • Transaction limits

    Configurable per-tap limits aligned with network rules.

Implementation

  • Device audit

    Confirm iOS or Android models on supported list.

  • Account enablement

    Tap to Pay flag activated on merchant profile.

  • Staff enrollment

    Each user downloads app and completes training.

  • First live sale

    Support available for first customer transaction.

Pricing

  • No hardware lease

    Tap to Pay uses standard processing rates. No monthly terminal rental when phone is the reader.

Cards, currencies and settlement in Canada

What a RapidCents account in Canada accepts, the currencies it settles in, and when the money arrives.

  • Cards and methods accepted

    Visa, Mastercard, American Express, Discover, UnionPay and Diners Club cards from any country, plus Interac Debit, Apple Pay, Google Pay and EFT/PAD bank payments, on one merchant account.

  • 137+ currencies, settled in CAD or USD

    Process in CAD, USD, EUR and 137+ currencies, and deposit payouts directly into your Canadian CAD bank account or your Canadian USD bank account, so USD sales are not converted twice.

  • Next-business-day funding and reconciliation

    Batches close nightly and deposits arrive the next business day, based on cut-off times and eligibility, with deposit-level reporting in one RapidCents dashboard.

Questions about Tap to Pay

Which phones are supported?

Recent iPhone and select Android models. Your advisor confirms your fleet.

Chip and PIN on phone?

Tap to Pay is contactless only. Use a terminal for chip-insert and PIN debit.

Can multiple staff use it?

Yes. Each enrolled device ties to your merchant account with staff login.

Does it work offline?

Internet connection is required for authorization.

What do I need before Tap to Pay will work on my phone?

A recent iPhone or a supported Android device, a RapidCents merchant account, staff login credentials and an internet connection. There is no reader to ship or charge, which is why merchants using it often start accepting cards the same week rather than waiting on hardware.

Can I take Interac debit with Tap to Pay?

Tap to Pay is contactless only, so a card or wallet tap works but chip insert and PIN entry do not. Interac transactions that require PIN need a physical terminal. Merchants who need both usually run Tap to Pay for mobile staff and a terminal at the fixed counter.

Can several staff accept payments on their own phones?

Yes. Each phone enrolls against the same merchant account and each staff member signs in with their own credentials, so sales from every phone appear together in transaction search. Acceptance can be switched on or off per enrolled device, which matters when someone leaves.

What does Tap to Pay change about hardware cost?

It takes the reader out of the picture: there is no monthly terminal rental when the phone is the reader. Card processing still applies to every sale, at interchange and card network fees at cost, plus your RapidCents markup, stated in your Fee Schedule, and fees for equipment or services, if applicable. A phone cannot take a PIN or print a receipt, which belongs in the comparison too.

Which cards and wallets can customers use?

Customers can tap contactless cards, Apple Pay, Google Pay and compatible wallets. Card data is never stored on the merchant's phone, and per-tap limits are configurable in line with card network rules.

Related products

Industries that run on Tap to Pay

See all industries

Take the next step

Talk to a RapidCents specialist

RapidCents Fee Check reads a processing statement and shows interchange separately from the markup. Upload a statement for an instant breakdown, or open a merchant account and start accepting payments on one account.

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  • Canadian payment specialists
  • Secure statement upload