Take payment with Tap to Pay

With Tap to Pay, your phone is the card reader. The customer holds their contactless card, phone, or watch against your phone, and the payment goes through. You don’t need a terminal or any other hardware.

• Your business needs to take payments with Stripe. See Connect Stripe.
• You need the Packyard app on a compatible iPhone or Android phone. See Phones that work below. Tap to Pay doesn’t show in a web browser.
• The appointment needs to be Ready for Pickup. See Check in and check out.
• Only owners and staff can take payment.

1. Open the appointment and tap Check out. The Checkout window opens with Tap to Pay already selected.
2. Check the prices and any discount.
3. Ask the customer about a tip, and enter it next to Tip as a % or $ amount. The tip is set before the tap, not on the customer’s card.
4. Tap Tap to Pay. Your phone shows where to tap.
5. The customer holds their card, phone, or watch against your phone until it’s read. On an iPhone, that’s near the top of the phone. On an Android phone, the screen shows the spot.

When the payment goes through, you’ll see Approved $[amount], and the appointment is marked paid.

To stop before the customer taps, tap Cancel Tap to Pay. You’ll see Tap to Pay cancelled. Once the card has been read, the payment can’t be cancelled.

Most phones from the last few years work.

An iPhone XS, iPhone XR, or any newer iPhone. That’s every iPhone released since late 2018, including the iPhone 11, 12, 13, 14, 15, 16, and 17 families.

Keep iOS up to date. Apple only allows Tap to Pay on recent versions of iOS.

Most Android phones from 2022 or later work. The phone needs:

• Android 13 or newer.
• NFC, turned on. This is the same thing that lets you pay with your phone in a store.
• The Google Play Store.
• A security update from the last 12 months. Check in the phone’s Settings, under system or software update.

Some phones that work:

This isn’t the full list. A phone that isn’t listed often works if it meets the four points above.

• iPad. Apple doesn’t allow Tap to Pay on iPad. Checkout says Tap to Pay works on iPhone. Use your iPhone or show a QR code.
• Phones that have been rooted or modified, or that have developer options turned on.
• A web browser, on any device. Use the Packyard app.

If your phone doesn’t work, use a payment link or a QR code instead.

Any contactless card (look for the wave symbol), or Apple Pay, Google Pay, or Samsung Pay on their own phone or watch. Their phone can be any make.

• Allow location when your phone asks. Tap to Pay needs your location to confirm where card payments are taken. If you chose not to allow it, turn it on for Packyard in your phone’s Settings.
• No Tap to Pay button? It only shows once your phone’s reader is ready. If your phone is too old or its software is out of date, you’ll see the other ways to pay instead.
• Hold the card still against the phone until it’s read. This can take a few seconds. A card with no wave symbol can’t be tapped.
• If the card is declined, checkout shows the reason and Try the card again, or let the client pay another way. Tap Try Tap to Pay Again, Show QR code, or Send a link.
• “Payment taken. Packyard is still confirming it with Stripe; the sale will show as paid shortly.” means the tap worked. Don’t ask the customer to tap again.
• “Couldn’t confirm the tap was cancelled. Check this payment before taking another.” means Packyard isn’t sure whether the tap went through. Open the appointment and check whether it shows as paid before you charge again.
• “Tap to Pay couldn’t start. Try again or show a QR code.” means the payment didn’t begin. Tap Tap to Pay again, or use a QR code.
• “This iPhone can’t take Tap to Pay payments.” means the iPhone’s model or iOS version isn’t supported. Update iOS, or use a payment link or QR code.
• The customer may be asked for a PIN on your phone’s screen for some cards. Hand them the phone to enter it. On Android, the number pad may not be in the middle of the screen. That’s normal.
• Card payments must be at least $0.50.

• Take payment
• Take payment with a QR code
• Send a payment link
• Connect Stripe