The Tap to Pay on iPhone feature is a built-in option developed by Apple to accept payments. We decided to activate it with the Qonto app so you can receive card payments directly from your iPhone, without needing an additional card reader.
You can activate the Tap to Pay service by contacting our customer service.
Once the request has been made, you will be contacted by our customer service to sign the Payment Processing Service Agreement via our provider Yousign. We invite you to monitor your email inbox.
Once the contract is signed, our agents will send you the contract you signed via email asking you to reply to the email confirming its correct receipt.
👉 To find out how to connect Tap to Pay to the Agenzia delle Entrate portal, read this article.
Who can use Tap to Pay on iPhone?
Currently available for all pricing plans for Owners and Admins.
- Transaction fees are as follows:
- 0.8% for all plans on Consumer cards in the EU zone
- 2.6% for other cards and outside the EU zone
Please note: the minimum fee charged for each transaction is €0.01. For transactions below €1.25, this represents a fee higher than 0.8%.
What do I need to use Tap to Pay on iPhone?
- An iPhone XS or newer model.
- iOS version 18.0.1 or later is required.
- An internet connection is required.
With iPhone, you can now accept contactless payments. We recommend making a first transaction with your card to test Tap to Pay on iPhone and locate your iPhone's NFC area.
How do I activate Tap to Pay on iPhone?
You can activate Tap to Pay directly from your mobile app in just a few simple steps:
- Go to Menu → Business account → Tap to Pay
- Enable Tap to Pay by tapping “Continue”
- Sign the contract digitally via YouSign
- Tap to Pay is now activated 🎉
How does Tap to Pay on iPhone work?
- Open the Qonto app on your iPhone.
- Tap the Tap To Pay link and enter the amount to charge.
- Present your iPhone to the person who wants to pay.
- Your customer holds their device or card horizontally, above the contactless symbol that appears at the top of your iPhone, for a few seconds.
- Once the card is read and the transaction is initiated, a checkmark appears on screen accompanied by an OK message.
- For some card transactions (especially in the case of an amount over €50), the customer will need to enter their PIN on the iPhone screen.
- Send a receipt immediately after the transaction via SMS or email.
⛔️ Currently, Tap to Pay on iPhone accepts Visa and Mastercard payments. The American Express and Bancomat cards (unless co-branded with Visa or Mastercard for Bancomat) are not yet supported by Qonto, but we are evaluating their integration based on user needs.
Remember that receipts must be sent immediately after payment, it will not be possible to send receipts for previous payments. You can view all your payments in real time in "Tap to Pay on iPhone", whether they are successful, pending or credited to your Qonto account.
We recommend "enabling biometric authentication" (fingerprint or facial recognition) for faster access to Tap to Pay on iPhone and smoother transactions.
How can I resend, download, or print a receipt after a transaction?
You have access to receipts for transactions already carried out on your card reader and Tap to Pay. You can resend a receipt to your client by email or SMS, download it, or reprint it on the Pro terminal.
From 💻 web
- Go to Business Account > Payment terminals > Select the transaction > Click on the three dots next to receipt.pdf.
- You can then send the receipt by SMS or Email, or download it.
From 📱 mobile
- Go to Menu > Payment terminals > Select the transaction > Click on "receipt".
- You can then send the receipt by SMS or Email, or download it.
- Are there transaction limits?
Minimum: €0.10, Maximum: €100,000. For some card transactions (especially in the case of an amount over €50), the customer will need to enter their PIN on the iPhone screen.
Are there restrictions on who can use Tap to Pay on iPhone?
Yes. To comply with the legal, regulatory and risk requirements of our payment partner, some business activities are not eligible to use Tap to Pay.
Prohibited activities include, but are not limited to:
- Sale of regulated or prohibited substances (e.g. tobacco, CBD, vaping products, medicines or alcohol without adequate licenses)
- Adult entertainment and services (e.g. massage centers, strip clubs, escort services, adult content sales)
- Unregulated or high-risk health and wellness services (e.g. cosmetic treatments without medical certification, IV therapy, unauthorized supplements)
- High cash-intensity activities or subject to stricter regulatory controls
- Gambling, betting or lottery-related activities (including fantasy sports or skill games with prizes)
- Crypto, forex and other high-risk financial services (e.g. cryptocurrency exchanges, forex trading, payday loans)
- Resale of mobile phones, electronics or counterfeit goods
If you can access the in-person payment menu in your Qonto app, your business is eligible. Otherwise, your business is likely subject to restrictions.
Need help? You can contact customer service and we will be happy to verify your eligibility.
What about refunds?
Not immediately available through the app. Handled manually by Qonto support. Plan alternative methods if necessary.
When will payments appear in my Qonto account?
Payments are credited the next business day as a single deposit, with detailed statements included.
My Tap to Pay transaction was declined, what should I do?
My Tap to Pay on iPhone transaction was declined, what should I do? When a transaction fails, several factors can be the cause. Here's a step-by-step guide to help you determine the source of the decline and advise your customer.
1. NFC reading verification on your iPhone
- Incorrect card position
Make sure your customer holds their device or card horizontally, above the contactless symbol that appears at the top of your iPhone.
If the card is still not read, ask the customer to slide the card to center the chip directly above the device notch.
- Reading timeout
Reading too quickly or not holding the card long enough can cause a timeout. Ask your customer to hold the card for a few seconds.
2. Card information verification
- Unsupported card
Only Visa and Mastercard cards are accepted. If possible, ask your customer to use a compatible card.
- Contactless payment disabled
The contactless payment feature may not be activated on the customer's card. Advise your customer to check their banking app or contact their bank to ensure contactless payments are enabled on their card.
- Issuer decline
The customer's bank may block the transaction (issuer decline) for various reasons, one of which could be insufficient balance. Suggest to your customer to check their balance and/or contact their bank for more information.
- Damaged card
If the contactless card is still not read and the interface does not display any message, the card antenna may be damaged or the card may not work for contactless payments.