The Tap to Pay on iPhone feature is an integrated option developed by Apple to accept payments. We have decided to activate it with the Qonto app so that you can receive card payments directly from your iPhone.
đź’ˇPlease note that the Tap to Pay feature can be used in addition to POS payments.
Here are the steps to set up and use Tap to Pay on iPhone
Who can use Tap to Pay on iPhone?
- Currently available for all pricing plans for Owner, Admin and Employee roles.
- Transaction fees are as follows:
- 0.7% 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 per transaction is €0.01. For transactions lower than €1.25, this represents a fee higher than 0.7%.
What do I need to use Tap to Pay on iPhone?
- An iPhone XS or a more recent model.
- Latest version of iOS is required.
- An Internet connection is necessary.
With the iPhone, you can now accept contactless payments. We recommend making a first transaction with your own card to test Tap to Pay on iPhone and locate the NFC area of your iPhone.
How does Tap to Pay on iPhone work?
- Open the Qonto app on your iPhone.
- Tap on the Tap To Pay shortcut and enter the amount to charge.
- Present your iPhone to the person who wishes to pay.
- Your customer holds their device or card horizontally, above the contactless symbol that appears on the upper part of your iPhone, for a few seconds.
- Once the card is read and the transaction initiated, a checkmark accompanied by the OK message appears on the screen.
- For certain card transactions (especially in the case of an amount €50), the customer will need to enter their PIN on the iPhone screen.
- Send a receipt immediately after the transaction by SMS or email.
⛔️ Currently, Tap to Pay on iPhone accepts Visa and Mastercard payments, Swile restaurant card as well. American Express payments 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 settled on 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 đź’» 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 any transaction limits?
Minimum: €0.10, Maximum: €100,000. For certain card transactions (especially in the case of an amount €50), the customer will need to enter their PIN on the iPhone screen.
Are there any restrictions on who can use Tap to Pay on iPhone?
Yes. To comply with legal, regulatory, and risk-related requirements from our payment partner, some business activities are not eligible to use Tap to Pay on iPhone.
Prohibited activities include, but are not limited to:
- Sales of regulated or banned substances (e.g. tobacco, CBD, vaping products, pharmaceuticals, or alcohol without proper licensing)
- Adult entertainment and services (e.g. massage parlors, strip clubs, escort services, adult content sales)
- Unregulated or high-risk health and wellness services (e.g. aesthetic treatments without medical certification, IV therapy, unauthorized supplements)
- Cash-intensive businesses or those subject to stricter regulatory oversight
- Gambling, betting, or lottery-related activities (including fantasy sports or games of skill with prizes)
- Crypto, forex, and other high-risk financial services (e.g. crypto exchanges, forex trading, payday loans)
- Resale of mobile phones, electronics, or counterfeit goods
If you can access the Payment terminals payment menu in your Qonto app, your business is eligible. If not, it likely means your activity is restricted.
Need help? You contact the customer service and we’ll gladly check your eligibility.
Where can I see my pending payments?
Your list of pending and completed payments can be found directly in your Qonto customer area:
Pro Account > Payment terminals on the web.
Menu > Payment terminals on the mobile app.
What about refunds?
Refunds are available directly on Tap to Pay.
To issue a refund, click on Business Account > Payment terminals >, select the transaction you wish to refund, and then choose Refund Payment.
When will payments appear in my Qonto account?
Payments received via Tap to Pay are credited to your Qonto account the next business day, grouped into a single payment:
- 10 payments of €10 made on a Monday will be credited as €100 on Tuesday.
- 10 payments of €10 made on a Friday will be credited on Monday.
Each payment includes a statement detailing the payments and associated fees. These payments do not affect your incoming or outgoing transfer limits.
How do I accept Swile card payments or add a new establishment?
-
CNTR accreditation:
Before you begin, you must have accreditation from the Commission Nationale des Titres-Restaurant (CNTR). -
If you don't yet have CNTR accreditation:
Find out about the procedure by consulting our dedicated accreditation help pages.
Once you have obtained your CNTR accreditation, you can join by clicking on the following link: https://affiliates.swile.co/join -
If you already have CNTR accreditation:
You can join Swile directly or add a new establishment in your Swile account. Simply go to the following link: https://affiliates.swile.co/join
You can also consult this Swile FAQ article for more information.