This is a mobile payment solution that allows iPay Merchants to accept contactless payments directly on their NFC-enabled Android smartphones, without the need for additional hardware.

Merchants download a Tap to Phone-enabled app on their NFC-enabled Android smartphones, which turns the device into a payment terminal.Customers can then tap their contactless Visa cards on the merchants phone to complete the transaction.

A reciept can be sent via email

The benefits include:(1). Reduced hardware and maintenance expenses, (2). Improved payment security (3). Greater convenience for both merchants and customers. (4). Better record keeping compared to cash payments.

Merchants look for the Contactless Indicator contactless indicator on your card to know if your card has the technology to make contactless payments

A Merchants card or device must be within 2.5-5 cm of the Contactless Symbol on the terminal.

No. You do not have to physically tap the card or device to the checkout terminal; however, your card or device should be close (within 2.5-5 cm) to the Contactless Symbol.

Merchants should hold their card or device to the terminal for 1-2 seconds.

Contactless payments use the same NFC technology as mobile wallets such as Apple Pay and Google Pay.

Yes. Your contactless card or payment-enabled device is safe for a number of reasons: 1. Just like with a chip card, each transaction is accompanied by a one-time code that securely protects your payment information. 2. You cannot pay accidentally – your card or device must be within 2.5- 5 cm of the terminal for the transaction to occur (and you will not be billed twice, even if you accidentally tap twice).

No. Contactless technology requires the merchant to first initiate the payment, and the contactless card or payment-enabled device must be held in close proximity (2.5- 5 cm) to the terminal for a transaction to take place.

No. Contactless terminals will only communicate with one card at a time. If you have more than one contactless card in your wallet, you should tap the individual card you want to use, rather than tap your whole wallet.