---
title: "Mobile Tap to Pay: Accept Cards on Your Phone | Kokipay"
description: Kokipay's Mobile Tap to Pay turns your smartphone into a payment terminal. Secure, fast contactless payments with no setup fees and no extra hardware.
image: https://kokipay.com/hubfs/Kokipay%20POS.webp
---
Card surcharging ends 1 October 2026. Lock in a 0.92% flat EFTPOS rate. [See Super Saver EFTPOS](https://kokipay.com/eftpos-saver?hsLang=en-au)
[](https://kokipay.com/?hsLang=en-au)
- [Payments](https://kokipay.com/low-cost-eftpos?hsLang=en-au)
[**Low Cost EFTPOS**Fast, secure terminals with no lock-in contract](https://kokipay.com/low-cost-eftpos?hsLang=en-au) [**Super Saver EFTPOS**0.92% flat rate for Visa, Mastercard and eftpos](https://kokipay.com/eftpos-saver?hsLang=en-au) [**Mobile Tap to Pay**Take card payments on your phone](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
- [POS & Ordering](https://kokipay.com/pos-point-of-sale?hsLang=en-au)
[**Smart POS**$0 POS software with every advanced feature](https://kokipay.com/pos-point-of-sale?hsLang=en-au) [**Online Ordering**$0 branded ordering website, no setup fee](https://kokipay.com/online-ordering?hsLang=en-au) [**QR & Table Ordering**$0 scan, order and pay from the table](https://kokipay.com/qr-code-table-online-ordering-system?hsLang=en-au) [**Delivery**Your drivers or on-demand couriers](https://kokipay.com/delivery?hsLang=en-au) [**Kitchen Display**Every order on one kitchen screen](https://kokipay.com/kitchen-display?hsLang=en-au) [**Customer Display Screen**Order, total and promos facing the customer](https://kokipay.com/customer-display-screen?hsLang=en-au) [**Reservations**Online bookings tied to your floor plan](https://kokipay.com/reservations?hsLang=en-au) [**Multi Location**Run every venue from one account](https://kokipay.com/multi-location?hsLang=en-au) [**Self Ordering Kiosk**Cut the queue with self-service](https://kokipay.com/self-ordering-kiosk?hsLang=en-au) [**Uber Eats Integration**Delivery app orders straight into the POS](https://kokipay.com/uber-eats-integration?hsLang=en-au)
- [Grow](https://kokipay.com/loyalty-rewards?hsLang=en-au)
[**AI Google Reviews**More 5-star reviews, replies drafted by AI](https://kokipay.com/ai-google-reviews?hsLang=en-au) [**Loyalty & Rewards**Points, punch cards and VIP tiers](https://kokipay.com/loyalty-rewards?hsLang=en-au) [**Targeted Promotions**The right offer to the right customers](https://kokipay.com/targeted-promotions?hsLang=en-au) [**Marketing Campaigns**Email and SMS that bring people back](https://kokipay.com/marketing-campaigns?hsLang=en-au) [**Gift Cards**Sell and redeem at the register](https://kokipay.com/gift-cards?hsLang=en-au) [**Staff Shift Management**Clock-ins, tills and staff performance](https://kokipay.com/staff-shift-management?hsLang=en-au)
- [Industries](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au)
[**Hospitality**Restaurants, cafes, bars and hotels](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au) [**Retail**Counter and mobile EFTPOS for shops](https://kokipay.com/eftpos-for-retail?hsLang=en-au) [**Hair & Beauty**Pay at the counter or at the chair](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au) [**Trades**Get paid on site when the job is done](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
- [Pricing](https://kokipay.com/pos-plans-price?hsLang=en-au)
- [Shop](https://shop.kokipay.com/)
[Sign up](https://kokipay.com/signup?hsLang=en-au) [Get started](https://kokipay.com/mobile-tap-to-pay#page-form)
Menu
Payments
[Low Cost EFTPOS](https://kokipay.com/low-cost-eftpos?hsLang=en-au) [Super Saver EFTPOS](https://kokipay.com/eftpos-saver?hsLang=en-au) [Mobile Tap to Pay](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
POS & Ordering
[Smart POS](https://kokipay.com/pos-point-of-sale?hsLang=en-au) [Online Ordering](https://kokipay.com/online-ordering?hsLang=en-au) [QR & Table Ordering](https://kokipay.com/qr-code-table-online-ordering-system?hsLang=en-au) [Delivery](https://kokipay.com/delivery?hsLang=en-au) [Kitchen Display](https://kokipay.com/kitchen-display?hsLang=en-au) [Customer Display Screen](https://kokipay.com/customer-display-screen?hsLang=en-au) [Reservations](https://kokipay.com/reservations?hsLang=en-au) [Multi Location](https://kokipay.com/multi-location?hsLang=en-au) [Self Ordering Kiosk](https://kokipay.com/self-ordering-kiosk?hsLang=en-au) [Uber Eats Integration](https://kokipay.com/uber-eats-integration?hsLang=en-au)
Grow
[AI Google Reviews](https://kokipay.com/ai-google-reviews?hsLang=en-au) [Loyalty & Rewards](https://kokipay.com/loyalty-rewards?hsLang=en-au) [Targeted Promotions](https://kokipay.com/targeted-promotions?hsLang=en-au) [Marketing Campaigns](https://kokipay.com/marketing-campaigns?hsLang=en-au) [Gift Cards](https://kokipay.com/gift-cards?hsLang=en-au) [Staff Shift Management](https://kokipay.com/staff-shift-management?hsLang=en-au)
Industries
[Hospitality](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au) [Retail](https://kokipay.com/eftpos-for-retail?hsLang=en-au) [Hair & Beauty](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au) [Trades](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
More
[Pricing](https://kokipay.com/pos-plans-price?hsLang=en-au) [Shop](https://shop.kokipay.com/)
[Get started](https://kokipay.com/mobile-tap-to-pay#page-form)
1. [Home](https://kokipay.com/?hsLang=en-au)
2. Mobile Tap to Pay
Effortless Payments with
# Mobile *Tap to Pay*
Turn your smartphone into a secure, contactless payment solution.
[Get Started Now](https://kokipay.com/mobile-tap-to-pay#page-form)
No setup feesNo extra hardwareiOS and Android
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In short
## What is Tap to Pay and how does it work?
Tap to Pay turns your smartphone into an EFTPOS terminal. Your customer taps their card, phone or watch on your phone and the payment is processed over Wi-Fi or mobile data. With Kokipay there are no setup fees, no hardware costs and no extra devices or dongles, and it works on both iOS and Android.
### Key facts
- No setup or hardware fees
- Zero monthly fees or sign-up costs
- Accepts major cards, Apple Pay and Google Pay
- Works over Wi-Fi and mobile networks
- Digital receipts
Secure Payment Processing in Your Pocket
## Kokipay Mobile Tap to Pay
Accept payments anywhere, anytime with the convenience and security of Mobile Tap to Pay technology.
### Instant Setup
Start accepting payments immediately. No lengthy setup process is required.
### Wireless Connectivity
Operate seamlessly over Wi-Fi and mobile networks, ensuring reliable transactions anywhere.
### No Extra Hardware
Process payments directly on your smartphone without needing additional devices.
### Digital Receipts
Offer customers the option to go paperless with convenient digital receipts.
### Contactless Payments
Improve customer experience with fast, secure contactless transactions.
### Universal Compatibility
Accept payments from all major cards and mobile wallets like Apple Pay and Google Pay.
We’ve got you covered
## Solutions ready for your industry
### [ Hospitality → Pay at table, split bills and tipping for restaurants, cafes and bars.](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au)
### [ Retail → Counter and mobile EFTPOS that keeps the queue moving.](https://kokipay.com/eftpos-for-retail?hsLang=en-au)
### [ Hair & Beauty → Take payments at the counter or right at the chair.](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au)
### [ Trades → Get paid on site the moment the job is done.](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
Process transactions instantly
## Payments without the Wait
Avoid long queues and ensure quick, seamless payments in-store or on the go.
- Accept payments in seconds, reducing customer wait times.
- Transactions are approved quickly, ensuring smooth operations.
[Discover More](https://kokipay.com/mobile-tap-to-pay#page-form)
No additional costs
## No Setup or Hardware Fees
Start using Mobile Tap to Pay with no setup fees or hardware costs, letting you focus on your business without hidden expenses.
- Use Mobile Tap to Pay with no upfront costs.
- Accept payments directly on your smartphone, no extra devices are needed.
[View More](https://kokipay.com/mobile-tap-to-pay#page-form)
Contactless payments made easy
## Convenience for Your Customers
Offer your customers fast, contactless payments with Mobile Tap to Pay, ensuring a smooth shopping experience that keeps them coming back.
- Enable quick and easy transactions with just a tap.
- Accept payments via major cards and mobile wallets like Apple Pay and Google Pay.
[Discover More](https://kokipay.com/mobile-tap-to-pay#page-form)
FAQ
## Tap to Pay FAQs
### Do I need an EFTPOS machine to use Tap to Pay?
No. Tap to Pay runs on your smartphone, so no extra hardware, devices or dongles are required.
### How much does Kokipay Tap to Pay cost to set up?
There are no setup fees, no hardware costs, and zero monthly fees or sign-up costs.
### Does Tap to Pay work on iPhone and Android?
Yes. Whether you're using iOS or Android, you can accept contactless payments on your phone.
### Which cards and wallets can I accept?
All major cards and mobile wallets such as Apple Pay and Google Pay.
### Who is Tap to Pay best for?
Businesses on the go: tradies, market stalls, mobile hair and beauty, pop-ups and delivery drivers, or any venue that wants an extra payment point during busy periods.
Talk to us
## Curious? We welcome you to find out!
Reach out to us, and we'll give you all the information you need to make an informed decision. We're confident you'll be impressed with our service.
[Get Started](https://kokipay.com/mobile-tap-to-pay#page-form)
Get in Touch
## Say goodbye to costly EFTPOS and outdated POS
Leave your details and our team will be in touch.
- Local Australian team on standby
- No lock-in contracts
- $0 Advanced Smart POS software
- $0 Online and QR ordering
[](https://kokipay.com/?hsLang=en-au)
Payments made simple: low cost EFTPOS, free POS software and free online ordering for Australian businesses.
Sydney / Melbourne / Adelaide / Perth / Brisbane / Cairns / Darwin / Hobart
Smart POS app: [App Store](https://apps.apple.com/us/app/kokipos/id6792234992) [Google Play](https://play.google.com/store/apps/details?id=com.hospitalityos.pos)
### Payments
- [Low Cost EFTPOS](https://kokipay.com/low-cost-eftpos?hsLang=en-au)
- [Super Saver EFTPOS](https://kokipay.com/eftpos-saver?hsLang=en-au)
- [Mobile Tap to Pay](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
- [K156 Smart POS + EFTPOS](https://kokipay.com/smart-pos-k156-full-hd?hsLang=en-au)
- [K156D Dual-Screen + EFTPOS](https://kokipay.com/smart-pos-k156-dual-screen?hsLang=en-au)
- [Shop](https://shop.kokipay.com/)
### POS & Ordering
- [Smart POS](https://kokipay.com/pos-point-of-sale?hsLang=en-au)
- [Online Ordering](https://kokipay.com/online-ordering?hsLang=en-au)
- [QR & Table Ordering](https://kokipay.com/qr-code-table-online-ordering-system?hsLang=en-au)
- [Delivery](https://kokipay.com/delivery?hsLang=en-au)
- [Kitchen Display](https://kokipay.com/kitchen-display?hsLang=en-au)
- [Customer Display Screen](https://kokipay.com/customer-display-screen?hsLang=en-au)
- [Reservations](https://kokipay.com/reservations?hsLang=en-au)
- [Multi Location](https://kokipay.com/multi-location?hsLang=en-au)
- [Self Ordering Kiosk](https://kokipay.com/self-ordering-kiosk?hsLang=en-au)
- [Uber Eats Integration](https://kokipay.com/uber-eats-integration?hsLang=en-au)
- [Pricing](https://kokipay.com/pos-plans-price?hsLang=en-au)
### Grow
- [AI Google Reviews](https://kokipay.com/ai-google-reviews?hsLang=en-au)
- [Loyalty & Rewards](https://kokipay.com/loyalty-rewards?hsLang=en-au)
- [Targeted Promotions](https://kokipay.com/targeted-promotions?hsLang=en-au)
- [Marketing Campaigns](https://kokipay.com/marketing-campaigns?hsLang=en-au)
- [Gift Cards](https://kokipay.com/gift-cards?hsLang=en-au)
- [Staff Shift Management](https://kokipay.com/staff-shift-management?hsLang=en-au)
### Industries
- [Hospitality](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au)
- [Retail](https://kokipay.com/eftpos-for-retail?hsLang=en-au)
- [Hair & Beauty](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au)
- [Trades](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
### Legal
- [Privacy Policy](https://kokipay.com/privacy-policy?hsLang=en-au)
- [Terms and Conditions](https://kokipay.com/terms-and-conditions?hsLang=en-au)
- [Licence Agreement](https://kokipay.com/end-user-licence-agreement?hsLang=en-au)
- [Delivery Policy](https://kokipay.com/delivery-policy?hsLang=en-au)
- [Warranty & Replacement](https://kokipay.com/warranty-policy?hsLang=en-au)
- [Return & Refund](https://kokipay.com/return-n-refund?hsLang=en-au)
© 2026 Kokipay. All rights reserved. ABN 20 669 515 940
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```