Apple Pay Tap Phone to Phone is a convenient way to make payments by simply tapping your phone to another device. This feature is available on compatible iOS devices.
To accept payments using Apple Pay Tap Phone to Phone, you need to have a compatible iPhone and an Apple Watch. You also need to have the Apple Pay service set up on your iPhone.
The maximum amount that can be transferred using Apple Pay Tap Phone to Phone is $20, and it's a one-time payment. This feature is designed for small, casual transactions.
Apple Pay Tap Phone to Phone uses Near Field Communication (NFC) technology to facilitate transactions.
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What is Tap to Pay on iPhone
Tap to Pay on iPhone is a feature that lets you use your mobile device as a payment terminal. Apple announced plans to roll out this feature in February 2022.
The technology behind Tap to Pay is believed to be based on Apple's acquisition of startup Mobeewave. This means you can use your iPhone to accept payments without needing additional hardware.
Tap to Pay supports payments from Apple Pay, contactless credit and debit cards, and other digital wallets. This is a game-changer for businesses that want to accept contactless payments on their iPhones.
To use Tap to Pay, you'll need an iPhone XS or newer, and a business will need to be using a supported iOS app.
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Supported Businesses and Features
Stripe was the first payment platform to offer Tap to Pay on iPhone to their business customers, including the Shopify Point of Sale app, in spring 2022.
Apple Stores in the US will roll out Tap to Pay on iPhone in 2022, making it a convenient option for customers.
Adyen, a Dutch payment processing company, was added to the list of compatible businesses in April 2022.
Additional payment platforms and apps will follow later in the year, according to Apple.
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iPhone Models and Compatibility
The iPhone models that support Tap to Pay are iPhone XS and later models, thanks to the supporting API available in iOS 15.4.
If you have an older iPhone, you're not completely out of luck, as some models do have NFC capabilities. However, the iPhone 6, 7, and 8 models are not currently on the compatible list for Tap to Pay.
Apple has made it clear that Tap to Pay is not ready for use just yet, but it's good to know which iPhones will be able to support it in the future.
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