Tap to Pay on iPhone in the UK, no hardware needed.
Your iPhone becomes the card machine. iPhone XS or newer running iOS 16.4+, paired with SumUp, Square, Zettle, Stripe, Tide or Revolut. Zero hardware cost, no contract, no monthly fee.
Free · 2 mins · No call-back spam · Acquirer pays our fee
- 80+ UK acquirer panel
- 24/7 dedicated account team included
- Companies House 16833937
Why UK merchants pick Tap to Pay on iPhone through us
No hardware to buy
Your existing iPhone XS+ on iOS 16.4+ acts as the contactless card reader. No separate device to lose, charge, or replace.
Apple Pay and Google Pay supported
UK contactless up to £100 from cards, no cap from Apple Pay / Google Pay (device-auth satisfies SCA). Fallback to manual PAN entry above contactless cap.
Pick your acquirer
Same iPhone, choose SumUp (1.69%), Square (1.75%), Zettle (1.75%), Stripe (1.5%+20p), Tide (1.5%) or Revolut (0.8-1.0% on higher plans).
Same UK security as hardware
End-to-end encryption between card and acquirer. Apple does not see card details. Same Visa/Mastercard rails as a Verifone or Ingenico terminal.
Best fit for
- Mobile trades (plumber, electrician, dog groomer, taxi)
- Sole traders without fixed location
- Pop-up and event traders
- Wedding photographers and at-event sales
Not the right fit if
- Late-night trades (battery drain risk)
- High-volume retail (use hardware)
- Customers wanting on-the-spot printed receipts
In the UK market
Fastest-growing UK card-payment product in 2026, especially among mobile trades and sole traders.
UK merchants ask
Which iPhones support Tap to Pay?
iPhone XS or newer running iOS 16.4 or later. Older iPhones do not have the NFC capability for merchant-side acceptance.
What about Android?
Tap to Pay on Android is rolling out via Google Wallet with Stripe, Adyen and other partners. Available on most Android phones with NFC. Same flat-rate pricing as iOS.
Can I take chip-and-PIN above £100 on Tap to Pay?
Yes, but the customer enters PIN via the merchant's iPhone screen, which feels awkward. For consistent above-£100 trade (jewellery, executive transport) hardware Square Terminal or SumUp Solo wins.
Get matched in 2 minutes.
Whole-of-market UK acquirer panel. Free to apply. Acquirer pays our commission. 24/7 dedicated UK account team for the life of the agreement.
Get my quotesReviewed by Oliver Mackman, Director · Best Business Loans Ltd (Companies House 16833937)