Contactless Payments: The Future is Tap to Pay
A merchant's guide to contactless Tap to Pay: how NFC payments work, supported wallets (Apple Pay, Google Pay, Samsung Pay), and how to get started with no terminal to buy.
Contents
The world has rapidly shifted toward contactless payments, and FiatFlex's Tap to Pay solution puts your business at the forefront of this revolution.
The Contactless Payment Revolution
Contactless has become the way most shoppers expect to pay in person. Customers now expect fast, hygienic, and convenient payment options. FiatFlex's Tap to Pay technology delivers exactly that.
What is NFC Tap to Pay?
Near Field Communication (NFC) technology allows customers to pay by simply tapping their card or mobile device near your payment terminal. No insertion, no PIN entry for small amounts, and no physical contact required.
Supported Payment Methods
Credit and Debit Cards
Accept all major card networks including Visa, Mastercard, and American Express. Customers simply tap their contactless-enabled cards for fast payment.
Mobile Wallets
Apple Pay: iPhone and Apple Watch users can pay with Touch ID, Face ID, or passcode authentication.
Google Pay: Android users enjoy seamless payments through Google's secure payment platform.
Samsung Pay: Works on Samsung devices over NFC.
How FiatFlex Tap to Pay Works
1. Customer Initiates Payment
The customer taps their card or phone against your iPhone. There is no separate card terminal: your phone is the terminal.
2. Fast Authentication
The payment is authenticated in seconds using advanced security protocols.
3. Transaction Confirmation
Both you and your customer receive immediate confirmation of the successful payment.
4. Manual Withdrawal Control
Unlike other processors, FiatFlex lets you decide when to withdraw funds to your bank account.
Security Features
Tokenization: Card details are never stored; instead, unique tokens represent each transaction.
Encryption: Payment data is encrypted in transit using HTTPS and secure API connections.
Fraud Screening: Card transactions are screened for fraud by Stripe, the regulated provider that processes them, not by FiatFlex.
Card Security: Card payments are processed by regulated, PCI-compliant third-party payment partners; FiatFlex does not store full card details.
Business Benefits
Faster Transactions
Contactless payments are generally faster than inserting or swiping a card, reducing queue times and improving customer satisfaction.
Improved Hygiene
No physical contact required, meeting modern health and safety expectations.
Higher Transaction Values
Industry research has linked contactless payments to higher average transaction values, as tapping makes paying frictionless.
Reduced Cash Handling
Minimize cash-related risks and costs while streamlining your accounting processes.
Fee Structure
No subscription, no sign-up fee and no terminal to buy. What a card payment costs, with Tap to Pay or on a payment link, is set out on the pricing page.
Implementation
Getting started with FiatFlex Tap to Pay is simple:
- Download the FiatFlex app from the App Store or Google Play
- Complete KYC (or KYB for a business) once, during onboarding
- Enable Tap to Pay on a compatible iPhone and take your first payment
- Withdraw funds to your bank when convenient
Embrace the future of payments with FiatFlex Tap to Pay - where convenience meets control.
Availability: FiatFlex is open to merchants established in the euro area with a euro bank account, and Tap to Pay is available in France only. If your business is established outside the euro area, write to contact@fiatflex.com before you sign up.