# Tap to Pay on iPhone Set up Tap to Pay on iPhone in the Naayya POS app, take a contactless payment, and handle a declined card or a refund. Canonical URL: https://www.naayya.com/help-center/tap-to-pay-on-iphone Category: payments Last updated: 2026-11-10T13:10:00Z # 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](/help-center/using-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](/help-center/get-paid-setup). Some countries also need a State on your location: see [App terminal setup](/help-center/finish-an-interrupted-pos-card-sale#card-payments-say-the-payment-terminal-isnt-configured). - 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 1. In **New sale**, choose the item and select the customer if the item needs one. 2. In the cart, under **Payment**, choose **Tap to Pay on iPhone**. It is listed above **Own card reader** and **Cash**. 3. Select **Process sale**. Until the terms are accepted, the button reads **Set up Tap to Pay on iPhone**. 4. The customer holds their card or digital wallet flat near the top of the iPhone. The checkout shows **Waiting for customer to present card...**. 5. **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](/help-center/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](/help-center/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](/help-center/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](/help-center/gift-cards).