On the move · Tap to Pay on iPhone

Accept contactless payments with just an iPhone.

No reader, no dongle. With Tap to Pay on iPhone, your iPhone XS or newer becomes the card terminal. Customers tap their card or phone, you’re paid.

iPhone XS or newer, iOS 16+
Accept contactless cards, Apple Pay, Google Pay
No added hardware — start today

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Who uses it

Where Tap to Pay fits.

iPhone service pros, and as a backup at the counter. Android users should use the Clover Go reader instead.

What you get

Tap to Pay in six bullets.

No added hardware

No reader to buy, lose, or charge. The NFC chip in your iPhone reads contactless cards directly.

Same rates, same account

Your Arca pricing applies. Tap to Pay transactions show up in the same dashboard as in-person and online.

Service-friendly

For mobile pros — stylists, home services, consultants — Tap to Pay turns your phone into the only “device” you carry.

Receipts by text or email

Send a receipt as soon as the transaction completes. No printer needed.

Backup for retail

Even shops with a Station can keep Tap to Pay on an iPhone as a backup for big lines or when the main POS is down.

Tip prompt built in

Customers can add a tip on your phone screen — same flow as a card terminal.

At a glance

Tap to Pay specs.

Requirements: iPhone XS or newer · iOS 16+
Payment methods: Contactless cards, Apple Pay, Google Pay, Samsung Pay
Setup time: Same day
Hardware: No added hardware — use your existing iPhone
Software: Tap to Pay through Arca-provisioned merchant account
Connectivity: Your phone’s cellular or Wi-Fi

Best for

Industries that pick Tap to Pay most.

200+ apps install onto Tap to Pay.

Online ordering, loyalty, scheduling, accounting sync, delivery aggregation, payroll — all install onto the same device with two taps. Clover bills App Market apps separately from your Arca processing.

Browse the app market →

Common questions

About Tap to Pay.

? Does it work on Android too?

Apple introduced Tap to Pay on iPhone first; Android equivalents are emerging through specific apps. We can quote you on a Clover Go reader (pairs with Android) if you’re not on iPhone — same low-cost mobile approach.

? Is there a limit on transaction size?

Contactless cards have an issuer-set ceiling (often $100 or $200 for tap-only), above which the customer has to insert a chip card. For larger tickets we recommend Clover Go (handles chip) or a Clover terminal.

? How is this different from Apple Pay?

Apple Pay is the customer’s side — how they pay. Tap to Pay on iPhone is the merchant’s side — how you accept. Together they make a fully contactless transaction with no dedicated hardware.

Same account, more ways to take a payment.

Ready to switch?

Get a written proposal for Tap to Pay in under ten minutes.

Your program and rate, a transparent fee list, and any hardware financing — on Arca letterhead, before you decide.

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Accept contactless payments with just an iPhone.

Where Tap to Pay fits.