Tap to Pay on iPhone — Skill

What is Tap to Pay on iPhone?

Tap to Pay on iPhone lets payment apps accept contactless payments — from contactless credit/debit cards, Apple Pay, Apple Watch, and other digital wallets — directly on an iPhone, with no external terminal or hardware required. Transactions are encrypted and processed via the Secure Element; Apple never sees what is purchased or who buys it.

Beyond payments, Tap to Pay also supports:

• Card validation without charging — adding a card on file for recurring payments, or looking up a previous purchase for refunds without a receipt.
• NFC loyalty/discount/points cards — reading Apple Wallet passes independently of, or alongside, a payment transaction. Merchants can also prompt Apple Pay customers to join their loyalty program during checkout.

Integration Steps (for app developers)

Building Tap to Pay into a payment app follows five steps: