Tap to Pay

Tap to Pay on iOS and Android Devices

Introduction to Tap to Pay on iPhone and Android

Overview

Tap to Pay technology enables seamless and secure contactless payment processing directly on compatible iOS and Android devices without requiring additional hardware. By leveraging built-in NFC capabilities, merchants can accept payments using credit cards, debit cards, and digital wallets such as Apple Pay and Google Pay.

This functionality transforms smartphones into Point-of-Sale (POS) systems, simplifying transactions for businesses and enhancing the payment experience for customers.

Minimum Requirements

To ensure compatibility and optimal performance, Tap to Pay requires the following system specifications:

Tap to Pay on iPhone

• Minimum iOS Version: iOS 16.7 or above

• Supported iPhone with NFC capabilities (iPhone XR and above)

Devices must be running iOS 16 or later to enable Tap to Pay functionality. Apple ensures a seamless integration experience by leveraging the iPhone’s native NFC capabilities.

For more information on how Tap to Pay on iOS works, please refer to Apple's official documentation here.

Android

• Minimum Android API Level: 30 (Android 11 and bove)

• A supported Android phone or Tablet for example Samsung S24 or Samsung Galaxy Tab Active3

Android devices must run at least API level 30 to support Tap to Pay. This includes hardware and software support for NFC capabilities, ensuring the device meets security and performance standards.

Implementing Tap to Pay

Companion App

The PayEngine Tap to Pay functionality can be accessed directly through our Companion App, a fully functional, simple application designed to enable Tap to Pay without requiring additional development efforts. Merchants can simply download the app, authenticate their account on PayEngine's merchant portal or partner's application, and start accepting contactless payments instantly.

Features of the Companion App

• Seamless Setup: Quick and easy onboarding process for existing merchants.

• Security: End-to-end encryption ensures all transactions meet PCI compliance.

• Multi-Payment Support: Accepts contactless cards, Apple Pay, Google Pay, and other digital wallets.

• Real-Time Transactions: View payment statuses and transaction histories in real time.

• Device Compatibility: Works with devices meeting the iOS and Android requirements listed above.

The Companion App is ideal for merchants who want a turnkey solution to start accepting Tap to Pay quickly without the need for custom app development

Download from Apple App Store Download from Google Play

SDK Integration

For partners who wish to natively integrate Tap to Pay capabilities within their own applications, PayEngine provides a powerful SDK. This SDK simplifies integration, allowing businesses to maintain their branding while leveraging the robust payment processing capabilities of PayEngine.

To access the PayEngine SDK and API documentation, please reach out to your PayEngine Customer Success team.

Key Benefits of the SDK

• Customizability: Allows seamless integration into existing workflows and user interfaces.

• Cross-Platform Support: Compatible with iOS (via .xcframework) and Android (via .aar).

• Developer Tools: Comprehensive documentation, sample code, and dedicated support to simplify implementation.

• Secure Transactions: Built-in PCI-compliant encryption ensures secure data handling.

• Scalability: Designed to handle high transaction volumes efficiently.

Integration Steps

• Obtain SDK Access: Contact PayEngine for access credentials and documentation.

• Integrate the SDK:

  • iOS: Add the .xcframework to your Xcode project and configure the app permissions for NFC and Apple Pay. Please read through the SDK documentation to understand the process of obtaining proxmity reader entitlement from Apple.

  • Android: Include the .aar file in your Gradle dependencies and configure the app for NFC functionality.

• Test: Use sandbox mode to test and validate transactions before going live. You must setup your iPhone to work in sandbox environment by following this guide

• Go Live: Deploy the app with integrated Tap to Pay functionality.

This option is ideal for partners who want to create a fully branded Tap to Pay experience within their own applications.

Bring Your Own Merchant

For businesses using their own merchant accounts, PayEngine provides tailored solutions to support TSYS and Elavon as backend payment processors.

TSYS

The PayEngine platform is fully certified TSYS gateway for e-commerece and Tap to Pay transactions. You can follow to following step to onboard merchant PayEngine to leverage compaion app or SDK solution.

Setup Process

• Merchant Account Configuration

  • Obtain new terminal ID for Tap to pay setup on PayEngine

  • Create a merchant account on PayEngine by using merchant API or Partner Portal

    • The Merchant DBA, MCC, and Business Address must exactly match the details provided in the TSYS tearsheet.

• Setup Gateway

  • Use the PayEngine Orchestration API to set up a TSYS gateway, or contact PayEngine support to complete the setup once the tearsheet is available.

Elavon

The PayEngine platform is fully certified Elavon gateway for e-commerence and Tap to Pay transactions

Setup Process

• Merchant Account Configuration

  • Obtain new terminal ID for Tap to pay setup on PayEngine

  • Create a merchant account on PayEngine by using merchant API or Partner Portal

    • The Merchant DBA, MCC, and Business Address must exactly match the details provided in the Elavon varsheet.

• Setup Gateway

  • Use the PayEngine Orchestration API to set up an Elavon gateway, or contact PayEngine support to complete the setup once the varsheet is available.