Tap to Pay lets you accept contactless card payments directly on your smartphone, with no extra card reader or hardware required. For small businesses, market sellers, and mobile service providers, it turns your phone into a payment terminal.

How Tap to Pay works

When a customer is ready to pay, you enter the amount on your phone, and they hold their contactless card or digital wallet near your device. The payment processes through the same secure contactless technology used at physical card terminals. The customer sees a confirmation, and you receive an instant notification.

Tap to Pay supports contactless cards, Apple Pay, Google Pay, and other digital wallets. No cash handling, no manual bank transfer follow-up.

Who benefits from Tap to Pay

Tap to Pay is ideal for businesses that take payments on the go or in person without a fixed checkout counter:

Market vendors and food stalls

Mobile hairdressers, trainers, and therapists

Delivery drivers collecting payment at the door

Freelancers meeting clients at cafes or coworking spaces

If you already have a bunq Business Account, accepting payments does not require a separate provider or monthly terminal rental.

Tap to Pay vs. traditional card terminalsTraditional terminals require dedicated hardware, setup fees, and sometimes long contracts. Tap to Pay uses the phone you already carry. Setup is faster, costs are lower, and you can accept payments anywhere you have a signal.

Common questions

Is Tap to Pay secure?Yes. Contactless payments use encrypted tokenization. Neither you nor the customer shares card details during the transaction. bunq follows the same security standards as physical payment terminals.

Are there limits on contactless payments?

Contactless limits vary by country and card issuer. For larger amounts, the customer may need to authenticate with their PIN or biometric verification on their device.