Polygon Payments
‍Tap on
Mobile

The future of payments is here
Tap on Mobile payment

Worldline Tap on Mobile is live today!
Sell more in more places and accept contactless payments on all kinds of devices.

Simplify your payments. Grow your business.

With Worldline Tap on Mobile brought to you by Polygon Payments you can accept Visa, Mastercard, Apple Pay, Google Pay or any digital wallet and other alternative payment methods with Tap to Pay on iPhone or on Android devices*. Contactless in-person payments are just a tap away.
*with Near-field Communication

Why choose Tap on Mobile?

No terminal

No Terminal Required

Say goodbye to bulky, traditional EFTPOS terminals. With just your mobile phone, you can accept payments anywhere. Some businesses don’t need all the extra features from a traditional EFTPOS Terminal, so now we have an alternative.

Secure

Secure Transactions

Enjoy peace of mind with card-present contactless EMV transactions that use the same security technology as traditional EFTPOS terminals. All components, from the app to the monitoring backend, are rigorously tested and maintained against industry-agreed standards.

Contactless

Contactless Acceptance

Tap on Mobile supports payments from contactless enabled cards and devices, including Apple Pay, Google Pay, Samsung Pay, and other payWave cards.

No paper

Paperless Receipts

Provide a modern customer experience by sending digital receipts via TXT or email.

Tap on Mobile vs. Standard EFTPOS Terminal

Tap on Mobile
Standard Terminal
Monthly Fee
Low cost of $13.50 per user per month
Network fees starting at $15.00+
Terminal Rental & SIM Fees
Hardware Cost
Uses your existing mobile phone
Separate hardware purchase required
Compliance / Service Cost
Integrated
Often additional fees
Contract Length
No long-term commitment
3 month minimum
Up to 36 months
Transaction Fees
Fixed
Variable
Surcharging
Included
Typically an additional charge
Environmental Impact
e-Receipting, reducing paper use
Relies on thermal paper
Recovery Serviceability
Simply load the app on a new phone
Expensive terminal replacement
adding cost and delay
Scalability
Easily enable additional mobile devices
Requires hardware purchases and contract extensions
A person taking a mobile to mobile payment at a market

Tap on Mobile for iPhone

With Tap on Mobile on iPhone, you can securely accept contactless payments from Apple Pay, Google Pay, Samsung Pay, and NFC-enabled cards on your iPhone without any additional hardware. This feature ensures that your business is equipped to serve the needs of a diverse customer base.

Tap to Pay on Android

Expand your payment capabilities with Tap to Pay on Android. This feature allows users to accept payments directly using contactless technology on compatible Android phones and tablets. Reach a broad user base with a wide variety of NFC-enabled and Google-certified devices.

Check to see if your phone is compatible

Polygon Payments and associated companies are not affiliated with, endorsed by, or sponsored by Apple Inc., Google LLC, or any other mentioned companies. All images, logos, and device trademarks are the property of their respective owners.

Apply Online Now

Experience the transformative power of Tap on Mobile.

Apply Now

We have pricing to suit your business, no matter the size.

Standard

Accept Contactless transactions, Mastercard, Visa, ApplePay, SamsungPay and more. Simple onboarding process. No hidden fees or long term contracts.

Apply Online Now
Most applications are approved within 5 business days
3 Month Minimum Term Applies

No Setup Fee

$13.50 +GST Per User Per Month

2.00%
New Zealand Cards

3.90% International Cards

Custom

Accept Contactless transactions, Mastercard, Visa, ApplePay, SamsungPay and more. Simple onboarding process. No setup fee, hidden fees or long term contracts.

Contact Enterprise
*average Monthly Card Volume $500K+

IC+ Pricing

Unblended Pricing

Volume Discounts

API Integration

Your Money, Next Day – Every Day

Tap on Mobile offers fast, reliable next-day payouts, ensuring your funds arrive 24/7, 365 days a year. Say goodbye to delays—whether it’s a weekday, weekend, or holiday, Tap on Mobile keeps your cash flow steady and your business moving forward.

With Tap on Mobile

Funds are in your account the next day

Day 1

Payment is processed, and payout instructions are sent to the bank.

$

Day 2

Funds arrive in your bank account

With Other Providers

Funds may take 4-6 days to appear in your account

Day 1

Payment is initiated.

Day 2

Payment settles, and payout begins.

Day 3

Payout instructions are sent to the bank.
(weekdays only)

$

Day 4

Funds arrive in your bank account

Some international providers hold funds for 1-3 business days, adding further delay

Tap on Mobile Features

Feature

Benefit

CARD ACCEPTANCE
Accept all major cards through the Tap on Mobile app, including Visa and Mastercard, along with other forms of payment – giving customers the choice to pay how they want.
DIGITAL RECEIPTS
Provide an efficient and environmentally friendly solution for physical receipts. With every purchase, customers can be sent a digital receipt by email or QR code – allowing easy access whenever they need their receipts.
NEXT DAY SETTLEMENT
Get your money in your account the next day, freeing up your cashflow to keep your business on track and allowing you to focus on its continued growth.
MERCHANT PORTAL
Keeping the finger on the pulse of your business is imperative for understanding opportunities for efficiency and growth. With the Merchant Portal, access near real-time analytics to better understand your business. Understand your customers and product performance better with detailed analytics, manage settlements efficiently, view your transaction history weekly, monthly and more, all through the one dashboard.
TRANSACTION FEATURES
Use the Tap on Mobile app to perform all the essential transactions a traditional terminal offers, such as payments, refunds, reversals and so much more. The in-built technology allows you to grow your payment solutions as customer behaviours change, ensuring you're always at the forefront of the latest payment trends.
MOBILE WALLETS ACCEPTED & WEARABLES
Mobile wallets allow your customers to make payments with their digital device while keeping their card info private. This means their card isn't stored on the device or ever shared with you when you process their payment, giving you the peace of mind that your business does not have access to their data.
PIN REQUIREMENTS
PIN technology continues to be one of the best ways to protect businesses from fraud for higher ticket items. With limits evolving to match the needs of various industries, know that your payment solution is equipped to meet the latest standards for PIN payments, protecting you and your customers from potential fraud.
YOUR TAKINGS
Explore the details of major card transactions on the app or look back through up to 180 days of transactions and settlements in the Merchant Portal.
Download the

Merchant User Guide

for a comprehensive overview of using Tap on Mobile.
Android Guide
iPhone Guide

FAQs

How long does it take to get setup?

To complete the application, onboarding and AML requirements – most applications for Tap on Mobile can be approved within 5 Business Days.

What cards can I accept?

Tap on Mobile accepts Mastercard and Visa debit and credit cards. These can be tapped physically, or used through Apple Pay,Google Pay, or wearables like smartwatches.

What are the Fees?

EFTPOS Central charges a monthly fee of $ 13.50 +GST for each active mobile phone linked to your Merchant Account. There is no setup fee to get started. Local New Zealand payWave cards incur a merchant fee of 2.00% and internationally issued card incur a merchant fee of 3.90%.

What’s the difference between NZ cards and international cards in the pricing?

NZ cards are debit or credit cards issued by New Zealand banks. International cards are issued by overseas banks.

What is the 3-month minimum term?

Each Tap on Mobile user subscription comes with a 3-month minimum term. After that, you can cancel any time with 30 days' notice.

Who Can Sign Up?

Any business, incorporated society, charity or sole trader in New Zealand can sign up. You will need to complete a simple onboarding process, including identity verification and business details. Issuing of a Tap on Mobile Merchant Facility is at our absolute discretion. Some business types are ineligible based on Scheme rules.

Are My Transactions Secure?

Yes, all transactions are encrypted and processed securely under PCI and EMV mandated security requirements.

What if I Have No Mobile Reception?

Tap on Mobile requires an internet connection to process transactions. If you have no mobile reception, you can connect to Wi-Fi if available. Tap on Mobile does not support offline transactions.

Is My Phone Compatible?

Tap on Mobile works with most modern Android devices with NFC capabilities and Apple iPhones. The minimum software required is Android 12 for Android devices and iOS 16.4 for Apple devices. Check our compatibility list here or contact support to confirm if your device is supported.

Can I See My Transactions?

Yes, you can view all your transactions in real-time through the Tap on Mobile app. The dashboard provides detailed reports and analytics.

Am I Able to Refund?

Absolutely. Refunds can be processed directly through the Tap on Mobile app. Just select the transaction you wish to refund and follow the prompts.

Can I Surcharge?

Yes, you can add a surcharge to transactions. However, ensure you comply with surcharging guidelines and clearly inform your customers about the surcharge.

Do I need a Merchant Number from a Bank?

No, you don’t. Tap on Mobile includes its own built-in merchant facility — no need to apply separately with a bank.

Do I need to change banks?

Not at all. Tap on Mobile is completely bank-agnostic, so you can keep your existing banking setup.

How Do I Send a Receipt?

Receipts can be sent digitally via email directly from the app. Just enter the customer’s details after completing the transaction.

How Quickly Will I Receive My Funds?

Funds are settled into your account the following day, 7 days a week, 365 days of the year.

Is There a Limit to the Number of Transactions I Can Process?

There is no limit on the number of transactions you can process through Tap on Mobile. You can accept payments as often as you need.

What Types of Cards Can I Accept?

You can accept all major credit and debit cards, including Visa, MasterCard, and EFTPOS cards with payWave. You can also accept payments from customers using their mobile phone wallet or wearables.

Why are there so many AML/KYC requirements?

Like banks, lawyers, and real estate agents, we’re legally required to comply with Anti-Money Laundering (AML) and Know Your Customer(KYC) regulations as part of providing financial services in New Zealand.

Can I use the same User ID on multiple phones?

Technically yes, but it’s not recommended. Only one device can be logged in with the same User ID at a time. If you want to take payments on multiple phones at once, you'll need additional User IDs.

Can I manually enter a card number into the app?

No. This is known as "Card Not Present" processing and is not supported by Tap on Mobile. All cards must be tapped physically or via a mobile wallet.

I am getting "Error Code 230 : 30 Format Error"

Error 203 occurs when biometrics are not enabled. Ensure Face ID, Fingerprint ID, or Passcode is set up on your device to meet the app's security requirements.

‍