Tap on Phone – Turn Your Smartphone into a Mobile Card Reader

Contactless payments have rapidly become the preferred way to pay. According to Mastercard, Tap and Go now represents more than two in every three in-person transactions worldwide, up from just one in three before the pandemic.  

Customers expect fast, seamless, and secure checkouts—but cash and bulky terminals slow you down. Viva.com Terminal app transforms your smartphone into a secure, hardware-free card terminal, so you can accept payments anywhere and serve customers faster. 

Tap on Phone is ideal for businesses that want mobility, simplicity, and instant payment acceptance. Perfect for retail, hotels, restaurants, healthcare providers, mobility services, events, entertainment, and pop-up shops. 

• No hardware cost 
• Portable and easy to use 
• Fast onboarding 
• Works on Android and iPhone across 24 countries 
• Secure and scalable 
• Modern customer experience 

• Offline Payments: Continue accepting payments even when there’s no internet connection.  
• Shift Management: Track staff shifts and monitor service performance with built-in shift management tools.  
• Dynamic Currency Conversion: Accept payments in 48 currencies and earn back fees by allowing customers to pay in their preferred currency. 
• 40+ Payment Methods: Accept over 40 local and international payment methods. 
• Tipping: Choose how customers leave tips—percentages, rounding, or a custom amount.  

1. Open the Viva.com Terminal app on your NFC-enabled smartphone. 

2. Enter the transaction amount. 

3. Ask your customer to tap their card or mobile wallet on your phone’s NFC reader area. Usually: 

• On the back for Android devices 
• Near the top on iPhones 

4. Funds settle to your Viva.com Business Account in minutes, 24/7. 

Viva.com Terminal app meets the same security standards as traditional POS terminals.  

Security features include:  

• Compliance with EMV contactless specifications.
• PCI DSS compliance.
• Encrypted and tokenised data. 
• Continuous monitoring and updates. 

Why the Viva.com Business Account Completes Your Payment Setup

Viva.com is Europe’s first tech bank for businesses, delivering omnichannel payments, business banking, card issuing, financing, and hundreds of integrations across 24 markets. 

Your Viva.com Business Account gives you everything you need to manage your payments and business finances quickly, securely, and with full control: 

Instant settlement: Access your funds within minutes, 24/7. 

Cashback with the Viva.com Business Debit Card: Reduce your transaction fees by up to 0%. 

450+ integrations: Easily connect with the software and tools your business already uses. 

Tax compliance via fiskaltrust: Seamless fiscalisation and tax reporting across European markets—without complex processes. 

Start Accepting Contactless Payments Today

With the Viva.com Terminal App, you can turn your smartphone into a modern SoftPOS and accept contactless payments with just a tap. 

Get started in 3 simple steps: 

1. Open your Viva.com Business Account online—no paperwork, in just a few minutes. 

2. Download the Viva.com Terminal App from the Google Play Store or the iOS App Store. 

3. Start accepting payments wherever your customers are.

Last updated: 08/01/2026 

• Contactless payments now account for more than two-thirds of in-person transactions worldwide, according to Mastercard. As a result, more businesses are adopting Tap on Phone (SoftPOS) solutions because they are portable, cost-effective, quick to set up, and easy to use. 
• With Tap on Phone, businesses can accept contactless card and mobile wallet payments in seconds by asking customers to tap their card or device on the NFC area of a smartphone. 
• Tap on Phone is ideal for retail, hospitality (HoReCa), freelancers, healthcare providers, transport services such as taxis, events, and pop-up stores, where mobility and speed are essential. 
• The Viva.com Terminal App transforms any NFC-enabled Android or iPhone into a secure SoftPOS, eliminating the need for additional hardware. The solution is available in 24 European countries, offering a consistent omnichannel payment experience across markets.  
• Key features include offline payments, Dynamic Currency Conversion (DCC), tipping functionality, and support for 40+ local and international payment methods.  
• All transactions are fully compliant with EMV contactless and PCI DSS standards, ensuring secure, encrypted, and audited payments. 
• The Viva.com Business Account complements Tap on Phone with instant settlement, cashback, over 450 software integrations, and European tax compliance via fiskaltrust.