Tap to Pay: UK 2026 Pricing & Fee Calculator
Tap to Pay turns a phone into a contactless card reader, with no separate hardware to buy. The rate normally matches the provider's standard in-person rate.
What Tap to Pay charges
| Fee | Rate |
|---|---|
| Typical in-person rate | 1.69% to 1.75% |
| Hardware | None (uses your phone NFC) |
| Monthly fee | Usually none on PAYG |
How the fees work
Tap to Pay on iPhone and Android lets you accept contactless cards, Apple Pay and Google Pay directly on a compatible phone. Because there is no reader to buy, it is the cheapest way to start taking in-person payments.
You still pay the provider's normal in-person transaction rate, typically 1.69% to 1.75%. It is ideal for mobile traders and as a backup till; for high counter volume a dedicated terminal can be more practical.
Check the official pricing
Fees change. Confirm the current rate at Square Tap to Pay (benchmark).