Tap to Pay payments

Contactless card payments without a card reader

Ben avatar
Written by Ben
Updated over a week ago

What is Tap to Pay?

With Tap to Pay, you can use your Android phone like a card reader and take contactless card payments with just your phone.

Getting more technical, it works by using near-field communication (NFC) in your phone to process a payment so not all phones enable it. Further details are below.

Please note:

  • Chip & PIN payments are not possible. Payments that exceed a customer's contactless limit (typically £100 but it may be less) will require a PIN number and therefore will not be possible via Tap to Pay.

  • It is not possible to connect to a Card Reader at the same time as taking Tap to Pay payments. With Tap to Pay, the app effectively connects to your phone instead of the card reader.

How do I set up Tap to Pay?

To get set up, please follow the steps below:

  1. Ensure that Bluetooth and NFC are enabled on your phone, you have an internet connection, and the latest version of the Lopay app.

  2. Enable Tap to Pay in the Lopay app by either:

    1. Selecting 'Set up now' on the Tap to Pay banner on the home screen; Or

    2. Going to 'Your devices' then 'Set up a reader' and selecting 'Your phone' (instead of 'card reader')

Tap to Pay works like a card reader so you can't be connected to your card reader at the same time. If using both, you can switch between them on the ‘Your devices’ page in the Lopay app: simply 'disconnect' or 'connect' on this page as required.

When 'connected' to 'Your phone' you will see 'Tap to Pay' as an option when you enter an amount and press 'Charge'.

Will it work on my phone?

Tap to Pay is currently only available on Android phones as it is not yet supported by Apple in the UK. We will be looking to enable it as soon as it is possible.

The models below are all supported but this is not an exhaustive list - to check if your phone supports Tap to Pay, please go into your phone's settings and search for NFC. If there are NFC settings present it means your phone has NFC capabilities.

Please find below a comprehensive list of supported devices.

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