# Tap!

Contactless payments via NFC. Turn any smartphone into a payment terminal.

## Overview

Tap! enables contactless payments using NFC technology. No card reader required—just tap your customer's phone or card against your device to accept instant payments.

## How It Works

### 1. Enter Amount

Open Tap! app, enter payment amount.

### 2. Customer Taps

Customer holds their NFC-enabled phone or card near your device.

### 3. Instant Payment

Payment processed in seconds via instant SEPA.

### 4. Digital Receipt

Both parties receive instant confirmation.

## Key Features

### 📱 No Hardware Required

- **Use your phone**: iOS or Android
- **No card reader**: Pure software solution
- **No setup costs**: Free to start
- **Always updated**: Automatic app updates

### ⚡ Instant Settlement

- **Real-time**: Money arrives in seconds
- **24/7/365**: Works weekends and holidays
- **Direct to bank**: No intermediary accounts
- **Full amounts**: No hidden reserves

### 🔒 Bank-Level Security

- **NFC encryption**: Secure element communication
- **SCA authentication**: Strong Customer Authentication
- **Fraud detection**: Real-time monitoring
- **Transaction limits**: Configurable per merchant

### 📊 Real-Time Analytics

- **Sales dashboard**: View all transactions
- **Daily summaries**: Email or push notifications
- **Export data**: CSV, Excel, accounting integration
- **Tax reports**: VAT summaries

## Use Cases

### Retail Stores

- **Quick checkout**: Tap and go
- **Queue busting**: Mobile checkout anywhere in store
- **Pop-up shops**: No fixed terminal needed
- **Market stalls**: Accept card payments anywhere

### Restaurants & Cafés

- **Tableside payment**: Pay at the table
- **Split bills**: Easy bill splitting
- **Tip handling**: Add tip before payment
- **Fast turnover**: Quick payment = faster tables

### Service Providers

- **Home services**: Plumbers, electricians, cleaners
- **Delivery**: Pay on delivery
- **Taxis & rides**: Contactless fare payment
- **Beauty services**: Hairdressers, therapists

### Events & Venues

- **Fast entry**: Contactless ticket scanning + payment
- **Concessions**: Quick food and beverage sales
- **Merchandise**: Pop-up retail
- **Donations**: Contactless giving

### Professionals

- **Consultants**: Invoice and collect on-site
- **Therapists**: Session payments
- **Tutors**: Lesson payments
- **Coaches**: Training session payments

## Pricing

Simple, transparent pricing.

| Plan | Transaction Fee | Monthly Fee | Best For |
|------|----------------|-------------|----------|
| **Starter** | 0.5% + €0.10 | Free | Occasional use |
| **Professional** | 0.3% + €0.05 | €19/month | Regular payments |
| **Enterprise** | Custom | Custom | High volume |

**Examples**:

- €50 payment: €0.25 fee (Starter)
- €100 payment: €0.40 fee (Starter)
- €500 payment: €1.60 fee (Starter)

[View full pricing](/pricing)

## Getting Started

### 1. Download App

Available on:
- **iOS**: App Store (iOS 14+)
- **Android**: Google Play (Android 10+)

### 2. Create Account

Sign up in minutes:
- Email and password
- Business details
- Bank account for payouts

### 3. Verify Identity

Quick KYC verification:
- Photo ID
- Business registration (if applicable)
- Usually approved within 24 hours

### 4. Start Accepting Payments

- Log in to app
- Enter amount
- Customer taps
- Payment complete

## Technical Specifications

### Device Requirements

**iOS**:
- iPhone 7 or later
- iOS 14.0+
- NFC capability

**Android**:
- Android 10.0+
- NFC capability
- Google Play Services

### NFC Standards

- **ISO/IEC 14443**: Contactless smart cards
- **ISO/IEC 15693**: Vicinity cards
- **FeliCa**: Japanese standard
- **EMV Contactless**: Payment cards

### Supported Cards

- **Debit cards**: All major schemes
- **Credit cards**: Visa, Mastercard, Amex
- **Digital wallets**: Apple Pay, Google Pay
- **Wearables**: Smartwatches, fitness bands

## Security Features

### Transaction Security

| Feature | Description |
|---------|-------------|
| **Tokenization** | Card data never stored |
| **Encryption** | End-to-end encryption |
| **SCA** | Strong Customer Authentication |
| **3D Secure** | Additional verification |
| **Fraud AI** | Real-time fraud detection |

### Merchant Protection

- **Transaction alerts**: Instant notifications
- **Daily limits**: Set maximum amounts
- **PIN protection**: App access control
- **Remote disable**: Lost/stolen device

### Compliance

- ✅ **PCI DSS Level 1**: Payment security
- ✅ **PSD2**: EU payment directive
- ✅ **GDPR**: Data protection
- ✅ **SCA**: Strong authentication

## Integration

### API Access

For custom integrations:

```bash
POST /api/tap/payments
{
  "amount": 2500,
  "currency": "EUR",
  "description": "In-store purchase"
}

# Returns NFC payment session
{
  "session_id": "tap_123",
  "nfc_data": "..."
}
```

### POS Integration

Integrate with existing POS systems:
- **REST API**: Universal integration
- **SDKs**: iOS, Android
- **Webhooks**: Real-time updates
- **Plugins**: Popular POS systems

### Accounting Integration

Automatic sync with:
- **DATEV**: German accounting
- **Lexoffice**: Small business
- **SevDesk**: Cloud accounting
- **Xero**: International
- **QuickBooks**: International

## Features

### Payment Options

- **One-time payments**: Standard transactions
- **Recurring payments**: Subscriptions
- **Split payments**: Multiple payment methods
- **Partial payments**: Deposits and balances
- **Tips**: Optional gratuity
- **Cashback**: Cash with payment

### Receipt Options

- **Digital receipts**: Email or SMS
- **Print receipts**: Bluetooth printers
- **No receipt**: Customer choice
- **Custom receipts**: Your branding

### Reporting

- **Real-time dashboard**: All transactions
- **Daily summaries**: Email or push
- **Custom reports**: Build your own
- **Export**: CSV, Excel, PDF
- **API access**: Pull data programmatically

## FAQ

### What devices are supported?

iPhone 7+ and most modern Android phones with NFC.

### Do customers need an app?

No, customers use their existing contactless card or digital wallet.

### What's the transaction limit?

Default €50 per transaction. Higher limits available with verification.

### How quickly do I receive funds?

Instant settlement to your BANKpay+ account. Transfer to bank: same day or T+1.

### Can I process refunds?

Yes, process refunds directly in the app.

### Does it work offline?

Limited offline mode available. Transactions queued and processed when online.

### What happens if NFC fails?

Fallback to payment link or QR code.

### Is there a monthly fee?

Starter plan: Free. Professional: €19/month. Enterprise: Custom.

## Comparison: Tap! vs Traditional Terminal

| Feature | Tap! | Traditional Terminal |
|---------|------|---------------------|
| **Hardware Cost** | €0 | €50-300 |
| **Monthly Fee** | From €0 | €10-30 |
| **Transaction Fee** | From 0.3% | 0.5-2% |
| **Setup Time** | Minutes | Days |
| **Portability** | Any smartphone | Fixed device |
| **Updates** | Automatic | Manual |
| **Settlement** | Instant | 1-3 days |

## Customer Success Stories

### Café Vienna

**Challenge**: Long queues at peak times  
**Solution**: Tap! tableside payments  
**Results**:
- 40% faster table turnover
- 25% increase in daily revenue
- Better customer experience

### Mobile Hairdresser

**Challenge**: No way to accept card payments  
**Solution**: Tap! on smartphone  
**Results**:
- Accept payments anywhere
- 30% increase in average transaction
- Professional image

### Market Stall

**Challenge**: Cash-only, losing sales  
**Solution**: Tap! contactless  
**Results**:
- 50% increase in sales
- No cash handling
- Faster transactions

## Getting Started Today

### 1. Download

[App Store](#) | [Google Play](#)

### 2. Sign Up

Create account in minutes

### 3. Verify

Quick identity verification

### 4. Accept First Payment

Ready to go!

## Resources

### Documentation

- [Getting Started](/developers/docs/tap)
- [API Reference](/developers/api/tap)
- [Integration Guide](/developers/integrations/pos)
- [Security Best Practices](/developers/security/tap)

### Support

- **Email**: tap@bankpay.plus
- **In-app help**: Comprehensive guides
- **Video tutorials**: Step-by-step walkthroughs
- **Community forum**: Tips from other merchants

### Status

- **System status**: status.bankpay.plus
- **Maintenance notifications**: In-app
- **Updates**: Release notes

## Ready to Accept Tap Payments?

[**Download Now**](/tap) - Free to start

Or [**Contact Sales**](/contact) for enterprise solutions.

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**Last updated**: February 28, 2026

**Questions?** Contact us at tap@bankpay.plus