No terminals required – Tap on Mobile gives kiwi merchants more flexibility

As a merchant, you can now transform your phone or tablet into a terminal, letting you accept contactless payments wherever you are. Your Apple or Android device can accept Visa, Mastercard, Apple Pay, Google Pay or any other digital wallet option.

“You don’t need any specialised hardware to get paid, just your phone or tablet,” explains Conrad Morgan, Chief Product and Technology Officer at Worldline. “Tap on Mobile is seamless to onboard and very cost-effective for merchants. It’s a fantastic solution that gives you a huge amount of flexibility, so it’s perfect for small businesses, Tradies wanting to take payments on site, farmers markets  and outdoor events.”

Easy onboarding, no integration required

In-person payments have traditionally been processed using a physical point of sale terminal, sometimes called an ‘Eftpos machine’ or ‘device’. These terminals must be replaced and updated regularly to remain compliant with the latest security measures. Tap on Mobile lets you transact without needing a terminal, and without needing to stand at a fixed terminal-based point of sale.

“The instore shopping experience has changed, and it continues to change,” says Conrad. “We want to make it easier for merchants and consumers – more options and easier ways to pay. We all have our phones on hand wherever we go, so being able to pay or receive payments on our mobiles works for everyone.”

If you are a merchant who wants to get paid on a device, it starts with some ‘know your customer’ set-up. Then you download the app to your phone or tablet, and you can immediately start taking payments. Sales data is available through the standard portal available to all Worldline merchants, all data is kept private and secure, and the local 24-hour support service is always here to help. 

Manage queues, get paid anywhere

With Christmas coming up and major sales underway, Tap on Mobile is also valuable for easing queues at busy times for larger retailers. Several staff members can be set up to take payments, allowing you to easily handle a rush of shoppers. With the ability to accept payments on any phone or tablet, staff members can open a new line or even walk down the queue and take payments on the go.

Being able to take payments anywhere in store means staff can help a customer find an item, then immediately pay for it without having to head to the check-out. Once again, this can manage queues and save time, particularly for big box retailers.

And because it’s so flexible, Tap on Mobile also frees up merchants to take payments at markets and other outdoor events. No more hiring a terminal, just use your phone. 

Online EFTPOS will be available from 2025

From early 2025, Tap on Mobile will also support Online EFTPOS transactions. Online EFPTOS is popular with consumers and works for shoppers who don’t have a credit card loaded to their phone. It also comes with some major benefits for merchants: transaction costs are typically just 1%, funds are settled overnight, and there are no chargebacks.

“We work hard to keep innovating, so we can keep up with the fast-changing retail landscape,” says Conrad. “Online EFTPOS means merchants can accept contactless payments at a very affordable cost. It’s great for shoppers who prefer not to have a credit card, or anyone who likes to pay with EFTPOS and avoid surcharges.”

How to start using Tap on Mobile

If you have a small or medium-sized business, get in touch with EFTPOS Central Group, Polygon Payments or PosMate  to get started with Tap on Mobile. It’s quick and simple – you could start taking payments within hours. The app provides a standalone solution, with a pay-per-transaction cost structure and fast reporting.

For enterprise clients, Worldline can integrate Tap on Mobile into your existing payment ecosystem. You can use it to replace or supplement your current terminals, and it connects to your core business applications with a simple app-to-app API. Get in touch with us to find out more.

“Tap on Mobile is a brilliant option to simplify your business and keep your costs down,” Conrad adds. “We’re all running our lives from our phones now – I think the days of physical wallets are numbered.”