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Quick Reference Guides

Tap On Mobile FAQs

  • Can I just download the Tap on Mobile App and start using my device as a payment terminal?

    No, you cannot until you’ve signed a merchant agreement with us. Once approved for Tap on Mobile, we will send you an onboarding email that will provide you with the simple steps to register your Tap on Mobile account and start using your device as payment terminal.

    What payment methods does Tap on Mobile support?

    Contactless credit and debit cards such as Visa Credit , Visa Debit, Mastercard credit, Mastercard Debit and EFTPOS. Contactless cards include physical cards, smartphone and wearables.

    Do I need a new smart phone or tablet to use Tap on Mobile?

    Your device will need to have an NFC reader, Internet access, and:

    • • For Apple devices, you would need iPhone XS or later that is running iOS 16.4 or later on, and has App store installed.

    How can I send a digital receipt to my customer?

    After you have finished processing a payment you will be able to share a QR-Code with your customer that will link to a web address where a copy of the receipt will be available for the customer.  You can also enter the customer’s e-mail address and send them a receipt.

    Where should my customer place their payment card when paying?

    The correct position to read the contactless card depends on the location of your NFC antenna - usually at the back or front of your device. On iPhones, the location of the NFC reader depends on the device used. For newer models it is on top (close to the cameras). 

    Should I perform regular software updates?

    Yes, updates are required to both your phone and to any updates made to Tap on Mobile to ensure usability of the App. All updates have to be installed immediately, otherwise the app will not be able to process new transactions.

    Tap to Mobile is not processing payments, what do I do?

    Make sure you have updated your phone with the latest software updates including updating the Tap to Mobile app. For example, if you get the following message: “PIN module could not be activated. Please logout and login to try again.”  - go to your “Tap on Mobile Pinpad” App, and check whether an update is available, in some devices you can see the “update” option there, but in other devices, you might need to click on “App details”, and then you can see “update” option.

    When do I process “Reversal” or “Refund” transactions?

    Reversals and / or Refunds may be processed if a customer returns goods purchased from you, or for services terminated or cancelled.

    What is the difference between Reversal and Refund?

    A reversal allows you to refund the Full Amount of the last transaction completed.  Reversal can only be performed on the last completed transaction. The cardholder/customer card is not required to complete this transaction. A refund allows you to refund Full amount of any completed transaction. The cardholder/customer card is required to complete this transaction.

    How can I make a “Reversal”?

    To reverse the last completed transaction: go to the transactions list, And tap on the Reversal button below the last transaction. The full amount will be refunded to the customer.

  • How can I make a “Refund”?

    To refund the full amount on any completed transaction, select the transaction you need to refund, tap on the three dots option on the top right of the screen, select “refund”, enter full transaction amount,  then ask your customer to tap their card on the NFC antenna.

    My app stopped working. What can I do?

    First check if you have an internet connection. Then make sure you have updated your phone with the latest software updates including updating the Tap to Mobile app.  Then restart the app. If the previous steps did not work, restart your device.

    Can I use the same Terminal ID for several apps?

    No, the serial number of your device is bound to the Terminal ID. If you want to switch devices please unregister your terminal from the menu or log in into the online portal to unregister your older device.  Then download the App on the new device and register it using the Tap on Mobile online portal.

    How many user accounts can I have associated with my business account?

    For self-onboarding, you can start with 1 account when you first sign up with us.  However additional user accounts can be bought. For larger merchants that would depend on the agreement.

    If I have multiple users accounts, can all user accounts take payments at the same time on the same merchant account?

    Yes, as each user account has its unique TID, and you can do transactions in parallel on the different TIDs.

    Is Tap on Mobile PCI compliant

    Yes, Tap on Mobile is a PCI compliant product.

    Where can I see my transactions?

    As an App user, a preview of all recent transactions is shown on your App home screen, you can also go to “Transactions” for more details.  Additionally, the merchant can see a detailed view by logging into the Tap on Mobile online portal and on the merchant portal.

    Can I use the “developer mode” while using the payment App?

    If you have developer mode on for any reason, you will need to switch it off before using the App to take payments otherwise it will prevent the App from launching.  You cannot have them both switched on at the same time. You will also have to switch the developer mode off during App installations and updates.

    What does the “developer mode” do?

    The developer mode is an built-in ability that provides advanced options and settings for developers to test and debug apps.

    Does Tap on Mobile allow customers to use a PIN for transactions that exceed contactless limits?

    Yes, but please note that the contactless limits will depend on scheme updates.

    Can I take payments outside of Australia with Tap on Mobile?


    Is tipping compatible with Tap on Mobile?

    This feature is currently unavailable, but considered for future development.

    Is surcharging available with Tap on Mobile?

    This feature is currently unavailable, but considered for future development.

    Is Multi-Network Card routing available with Tap on Mobile?

    This feature is currently unavailable, but considered for future development.


For ANZ business account holders, funds are available on the same day for online transactions, processed through the terminal and settled before 9pm (AEST). For non-ANZ business account holders, for online transactions processed through the terminal, ANZ Worldline Payment Solutions will transfer the funds to the merchant’s bank on the following business day and the availability of the funds will be determined by the merchant’s bank. For transactions processed offline or via Paper Merchant Vouchers, these settlement times do not apply.