Tap to Pay on iPhone

Tap to Pay on iPhone lets staff take contactless card, Apple Pay and wallet payments on an iPhone in the Naayya POS app, with no separate card reader.

It is not offered on iPad (see Use Naayya POS on iPad) or in web POS, and the Payment methods at the till setting does not control it.

What you need#

An iPhone XS or later with iOS 18 or later. Other iPhones show Not supported beside Device support under Account, with Tap to Pay on iPhone requires an iPhone XS or newer with iOS 18 or later.
Someone whose role has Manage POS to accept Apple's terms on the iPhone.
Stripe connected under Admin > Settings > Get paid, and your country, address, city and postal code under Admin > Settings > Billing. See Set up Get Paid. Some countries also need a State on your location: see App terminal setup.
If iPhone asks, allow Naayya POS to use your location. The iPhone also needs a passcode and an iCloud sign-in. The app says when one is missing.

If your market is not supported, the app says Terminal payments aren't supported in this market.

Accept Apple's terms#

Before the first payment, Apple's terms must be accepted on the iPhone. Staff whose role has Manage POS, such as an owner or manager, can accept them. They see a Set up Tap to Pay on iPhone screen with Enable and Not now, and a Complete setup banner on New sale. Enable goes to Apple's terms, then to setup on the iPhone, then to a short guide that you can reopen with Guide.

You can also select Accept terms and finish setup under Account > Tap to Pay on iPhone. That section shows Terms of Service as Accepted or Action required, Ready on this iPhone when setup is done, and Refresh status.

Other staff see Only staff whose role has Manage POS can accept Tap to Pay on iPhone terms. Contact your admin. A role that cannot complete POS sales cannot take a payment in the app at all.

Take a payment#

In New sale, choose the item and select the customer if the item needs one.
In the cart, under Payment, choose Tap to Pay on iPhone. It is listed above Own card reader and Cash.
Select Process sale. Until the terms are accepted, the button reads Set up Tap to Pay on iPhone.
The customer holds their card or digital wallet flat near the top of the iPhone. The checkout shows Waiting for customer to present card....
Payment received appears, with Paid via set to Tap to Pay on iPhone.

If the customer has an email address, Naayya emails a receipt that names Tap to Pay on iPhone as the payment method. Share receipt shares it from the iPhone. See Give a POS receipt.

If a payment does not go through#

Card declined shows the reason and records no sale. Select Try again to send the same sale again, or Use another payment method. A customer with an email address gets an email saying the payment was not completed and nothing was charged.
If the card cannot be read or the connection drops, select Retry terminal payment when it is offered, or choose Own card reader or Cash.
If a message says the card may have been charged, do not take the card again. See Finish an interrupted POS card sale.

Find and refund a payment#

A payment is recorded as a card payment. Its details in Admin > Payments show Method: Card terminal, and the Daily report in Admin > Reports lists it as Card (Terminal).

Staff who can manage payments, by default owners and managers, refund it from the payment's details in Admin > Payments. See Refund a payment. The Naayya POS app has no refund option. A gift card paid with Tap to Pay on iPhone is refunded the same way: see Gift cards.

What you need#

An iPhone XS or later with iOS 18 or later. Other iPhones show Not supported beside Device support under Account, with Tap to Pay on iPhone requires an iPhone XS or newer with iOS 18 or later.

Someone whose role has Manage POS to accept Apple's terms on the iPhone.

Stripe connected under Admin > Settings > Get paid, and your country, address, city and postal code under Admin > Settings > Billing. See Set up Get Paid. Some countries also need a State on your location: see App terminal setup.

If iPhone asks, allow Naayya POS to use your location. The iPhone also needs a passcode and an iCloud sign-in. The app says when one is missing.

If your market is not supported, the app says Terminal payments aren't supported in this market.

Accept Apple's terms#

Other staff see Only staff whose role has Manage POS can accept Tap to Pay on iPhone terms. Contact your admin. A role that cannot complete POS sales cannot take a payment in the app at all.

Take a payment#

In New sale, choose the item and select the customer if the item needs one.

In the cart, under Payment, choose Tap to Pay on iPhone. It is listed above Own card reader and Cash.

Select Process sale. Until the terms are accepted, the button reads Set up Tap to Pay on iPhone.

The customer holds their card or digital wallet flat near the top of the iPhone. The checkout shows Waiting for customer to present card....

Payment received appears, with Paid via set to Tap to Pay on iPhone.

If the customer has an email address, Naayya emails a receipt that names Tap to Pay on iPhone as the payment method. Share receipt shares it from the iPhone. See Give a POS receipt.

If a payment does not go through#

Card declined shows the reason and records no sale. Select Try again to send the same sale again, or Use another payment method. A customer with an email address gets an email saying the payment was not completed and nothing was charged.

If the card cannot be read or the connection drops, select Retry terminal payment when it is offered, or choose Own card reader or Cash.

If a message says the card may have been charged, do not take the card again. See Finish an interrupted POS card sale.

Find and refund a payment#

A payment is recorded as a card payment. Its details in Admin > Payments show Method: Card terminal, and the Daily report in Admin > Reports lists it as Card (Terminal).