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In-person payments

Take card payments in person
with Tap to Pay on iPhone.

Your customer holds their card or phone near your iPhone. A few seconds later the approved payment shows up in Recaudo, next to their invoices and chats. All you need is the app.

Download the app How to turn it on

Available for businesses with card payments active in Recaudo.

How a payment works

1

Enter the amount

Type it in Charge. If you are collecting a balance, pick the invoice or layaway and the payment is applied to it.

2

Tap Tap to Pay on iPhone

The payment screen opens on your iPhone. If the app is still getting ready, you will see its progress.

3

Your customer taps their card

Contactless cards and digital wallets like Apple Pay both work. If the bank asks for a PIN, turn the iPhone toward the customer so they can enter it.

4

Send the receipt

Send it on WhatsApp or by email from the same screen. The payment is saved with the customer.

What happens after the payment

The balance goes down

If you charged an invoice or a layaway, its balance updates right away, just like a payment-link payment.

Works at the point of sale too

Build the cart in the app's point of sale and charge the total with Tap to Pay on iPhone.

If the card won't read

Send a payment link from the same screen and your customer finishes on their phone.

If the app closes mid-payment

Recaudo checks the result with Stripe. When a payment was not approved, you get a notification so you can charge again.

What you need

  • An iPhone XS or later running iOS 17.6 or later, with a passcode set.
  • The latest version of the Recaudo app.
  • Card payments active in Recaudo. If you don't have them yet, turn them on from the app by connecting Stripe; Stripe reviews your business details before enabling them.
  • Your business address. The app asks for it when you turn the feature on.
  • Your business administrator accepts Apple's terms. It happens once, and then the rest of your team can take payments from their iPhones.
Step-by-step guide

Card details never go through Recaudo

The card is read on the iPhone payment screen and Stripe processes the payment. Recaudo receives the result (approved or declined, amount and time) and saves it with the customer. The card number never reaches our servers.

Frequently asked questions

Do I need to buy a card terminal?
No. Tap to Pay on iPhone uses your iPhone and the Recaudo app. There is no extra reader to pair or charge.

Which payment methods does it accept?
Contactless credit and debit cards. Also Apple Pay and other digital wallets, on a phone or a watch.

Who can turn it on?
Only the business administrator accepts Apple's terms. If someone else on the team tries first, the app tells them to ask the administrator.

What if the card won't read or the bank declines it?
Ask for another contactless card or a digital wallet. If there isn't one, tap “Charge with a payment link” and the customer pays from their phone.

Does it work on Android?
No, Tap to Pay on iPhone is only for iPhone. On Android you charge with payment links from the same Recaudo app.

Other ways to get paid with Recaudo

Payment links Charge remotely over WhatsApp or email. Online payments Cards, bank transfers and cash across several gateways. Mobile app Chats, links and today's payments on your phone. Step-by-step guide How to turn it on and take your first payment.

Your next in-person payment
comes from the iPhone in your pocket.

Download the app Create an account

iPhone is a registered trademark of Apple Inc. Apple Pay is a trademark of Apple Inc.