Tap To Pay SumUp: Complete Review and Test
SumUp turns your iPhone into a real electronic payment terminal with Tap to Pay technology. With Tap to Pay, there’s no need to acquire a card reader. Your client simply holds their bank card close to your iPhone and VOILA, they make the payment!
So, should you throw away your old POS device?
SumUp Air |
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 | Transaction fee: 1.69% Price: £34 + VAT £25 + VAT To SumUp |
SumUp Solo |
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 | Transaction fee: 1.69% Price: £79 + VAT £69 + VAT To SumUp |
We tested SumUp’s new Tap to Pay feature and we tell you everything in this article.
How does SumUp’s Tap to Pay work?
Requirements
To activate SumUp’s Tap to Pay, you need:
- An active account
- The SumUp iOS app downloaded
- A recent, up-to-date iPhone
To activate Tap to Pay, go to the SumUp app, then the menu at the top right. Select the Tap to Pay option in the menu. Apple prompts guide you to activate the feature on your iPhone. The process takes less than a minute.
How to make a payment with SumUp on your iPhone?
SumUp considers your iPhone a full terminal once you activate it. To make a payment, it’s simple. The process is the same as waking up a SumUp Air reader.
Enter an amount to collect, then when you click “Charge” the app now offers your iPhone as a payment method.
Choose “Tap to Pay on iPhone,” then hand your phone to your customer.
Your client brings their bank card (or phone) close to it, as they would with a card reader.
- The system checks the payment when your client puts their card near your iPhone, if they don’t need a PIN.
- If your client needs a PIN, typically for amounts over £50, they will enter their PIN directly on your iPhone.
The payment is fast. Tip: Bring the bank card close to the top of the iPhone. The top of the screen houses the NFC antenna.
Frequently Asked Questions about SumUp’s Tap to Pay
What iPhones are compatible with Tap to Pay?
To use Tap to Pay on iPhone, you must have an iPhone XS or a newer model running iOS 16.4 or higher. You must also have downloaded the SumUp app.
Does a cap exist on the transaction amount I can receive?
No, there’s no maximum limit to the sum you can receive using Tap to Pay on iPhone.
Is it safe to accept payments through Tap to Pay on iPhone?
Tap to Pay transactions on iPhone process according to the highest security standards. The payment method on iPhone ensures the security and privacy of your data and your customer’s data. It achieves this by utilizing the phone’s built-in features.
What is the process for my customers to use Tap to Pay on iPhone?
Using Tap to Pay on iPhone is straightforward. Clients simply tap their contactless card on your iPhone until they complete the transaction.
Which payment options are compatible with Tap to Pay on iPhone?
Tap to Pay allows you to receive payments from Visa, Mastercard, Apple Pay, Google Pay, and most other mobile wallets.
SumUp’s Tap to Pay Offer
SumUp’s offer for Tap to Pay is the same as the traditional SumUp offer with Air and Solo readers.
SumUp charges 1.69% per transaction. With SumUp’s Tap to Pay, you can accept card payments without ANY investment (if you already have an iPhone).
We will not pay any subscription or hidden fees. SumUp will only charge you 1.69% per transaction.
If you collect £100, then you will receive £98.31 in your account within 48 hours (£100 – £1.69 fee).
The offer is relevant for small businesses that cannot invest in a more comprehensive solution. If you need guidance choosing your terminal, our complete payment terminal comparison is a good resource.
Should I buy a SumUp card reader in addition?
- Yes, we strongly advise buying a SumUp card reader, for several reasons:
- Your customers might be scared to enter their PIN directly on your iPhone. Even though Apple’s security is perfect, the gesture is not yet the norm.
- Your iPhone might run out of battery, and you’ll be unable to collect payments from your clients.
- If you’re sharing the task of collecting payments with a team, you won’t want to share your personal phone.
The price of a SumUp card reader is only a few tens of pounds. The security of not missing a sale justifies buying a card reader.
Review of SumUp’s Tap to Pay
SumUp once again proves it’s one of the innovators in payment in Europe. This new feature is practical for all SumUp users who already own an iPhone.
This new feature allows you to collect some payments from clients easily and safely. However you are not going to receive all your payments on your iPhone and will still need a point of sale.
