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.
💡Please 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?
Tap to Pay is now available across all plans for owner, admin and employee roles.
Transaction fees are as follows:
- 0.8% 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 0.8%.
What do I need to use Tap to Pay on iPhone?
- An iPhone XS or a more recent model
- The latest iOS version 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 is initiated, a checkmark accompanied by the OK message will appear 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. 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.
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 in-person 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:
Business account → In-person payments on the web app, and
Menu → In-person payments on the mobile app.
What about refunds?
Refunds are available directly on Tap to Pay.
To issue a refund, go to Business account → In-person payments, 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 taken on a Monday will be credited as €100 on Tuesday.
- 10 payments of €10 taken 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.