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Tap to Pay

Updated

Table of Contents

Overview

NMI Tap to Pay softPOS solution enables you to offer a hardware-free, contactless payment option to your merchants. With two flexible integration options—an SDK for embedding into existing apps or a ready-to-use Cloud Commerce App from our partner Mastercard®—partners can empower their merchants to accept secure, contactless payments on any NFC-enabled smartphone without requiring additional hardware.

By providing a white-labeled, scalable, and cost-effective solution, you can drive merchant adoption, retention, and new revenue streams while staying ahead in a mobile-first payment ecosystem.

Features and Benefits

Partner Benefits

  • Expand Your Offering: Add a mobile-first, contactless payment solution to your portfolio.
  • Lower Barriers to Entry: Simplified setup with no hardware makes it easier to onboard merchants.
  • Increase Merchant Stickiness: Offer a scalable solution that evolves with your merchants’ needs.
  • Recurring Revenue Opportunities: Monetize transactions and offer premium features such as analytics, digital receipts, and integrated reporting.
  • Future-Proof Payments: Meet growing demand for contactless, software-based transactions.

Key Benefits for Merchants

  • No Extra Hardware Required: Accept contactless payments directly on Android or iOS smartphones—no readers or terminals needed.
  • Faster, More Convenient Transactions: Speed up checkout times and improve the customer experience.
  • Mobile & Flexible: Ideal for curbside pickup, delivery, in-store, pop-up shops, and mobile businesses.
  • Secure & Compliant: EMV processing, end-to-end encryption, PCI DSS, and card network security standards.
  • Quick Onboarding: Start accepting payments within minutes via app download; expand functionality with reporting, invoicing, and integrations.

Requirements:

  • Merchant account requires an active TSYS processor.
  • Tap to Pay Extension enabled on the merchant account.
  • App requires active NMI merchant credentials for login.

Deployment Options

Option 1: Android – Cloud Commerce App

A ready-to-use Android app, available on the Google Play Store. Ideal for merchants that want a no-code, out-of-the-box solution.

Key Features:

  • Simple download and registration using existing NMI gateway credentials.
  • Supports tipping and the ability to void or cancel transactions.
  • Transactions manageable via the NMI gateway portal.
  • Low-cost processing ideal for mobile and small to medium-sized businesses.

First, Enable the Service in your NMI Portal

  1. Log in to your Partner Portal.
  2. Navigate to List Accounts and locate the merchant:
    • Scroll through the list, or use the search box to find them by name.
  3. Click on the merchant's name.
  4. Scroll down to the Value-added Services section and on the right-hand side, click the Update Services button.
  5. Set the Status for Tap to Pay to "Active".
  6. Click Submit to save the changes.

Second, have your merchant Download the Cloud Commerce App (for Android Users)

image (4).png

  1. Download the Cloud Commerce app from Google Play.
  2. Disable Bluetooth and unplug any peripherals.
  3. Launch the app and enter the unique NMI partner code: CC_8bFEes1a
  4. Log in using your existing NMI Merchant Portal credentials.

Important Notes:

  • Merchant account requires an active TSYS processor.
  • Smartphone or tablet running Android 11 or higher.
  • Ensure Tap to Pay is enabled on the merchant account.
  • App requires active NMI merchant credentials for login.

How to Check if your Android Phone has NFC:

  1. Open Settings on your device.
  2. Go to Connected devices.
  3. Tap on Connection preferences.
  4. Look for the NFC option—if it appears, your phone supports NFC.

How to Enable NFC on Android:

  1. Open Settings.
  2. Navigate to Connected devices → Connection preferences.
  3. Tap NFC and toggle Use NFC to “On.”

Note - Cloud Commerce Tap to Pay application for iOS coming soon!

Option 2: iOS – NMI SDK for Developers

The Payment Device SDK for iOS is available via the NMI Developer Portal. Great for ISVs, software platforms, enterprise retailers, and ISOs looking to integrate Tap to Pay into their own applications. 

Note - Tap to Pay on Android SDK coming soon!

Frequently Asked Questions 

Q: Why can't I find the Cloud Commerce app in the Google Play Store? A: If the Cloud Commerce app isn’t appearing in the Google Play Store, it’s likely because the Android device being used does not meet the app’s minimum requirements.

To resolve this:

  • Check Android version: Ensure the device is running a supported version of Android 
  • Confirm NFC capability: The app requires an NFC-enabled device. Follow the steps to check for NFC.
  • Google Play availability: Some regions or carriers may restrict access to certain apps. Confirm the Play Store is set to a supported country.
  • Device compatibility: Low-end or non-certified Android devices (e.g., some custom ROMs or rooted devices) may not be supported.

Q: What if my merchant does not want to use their personal phone or tablet for business transactions? A: For merchants who prefer not to use their personal smartphones or tablets for processing payments, we offer a dedicated portable device alternative: the Landi M20SE mobile payment terminal. The Landi M20SE functions as a dedicated Android payment terminal, integrating with NMI's Cloud Commerce app to offer contactless Tap to Pay transactions. This device provides a great alternative for merchants who want the flexibility of Tap to Pay technology without compromising on professionalism or reliability. To learn more, please visit our Landi M20SE article. 

Video Tutorial