Tap to Pay (also called SoftPOS) turns a regular smartphone into a contactless card terminal. Swiss food truck operators and market traders can accept credit and debit cards, TWINT, as well as mobile wallets like Apple Pay or Google Pay directly on the phone – without extra hardware. All you need is an NFC-capable Android or iOS device and the app of a supported payment service provider.

This guide shows you step by step how Tap to Pay works, which smartphones and providers are supported in Switzerland, what the solution costs, and when a classic mobile terminal is still the better choice.

1. What is Tap to Pay and why is it made for food trucks and market stalls?

Tap to Pay – known in the industry as SoftPOS (Software Point of Sale) – refers to a technology that uses the NFC antenna of a smartphone to accept contactless payments. The smartphone fully replaces the classic card terminal. The payer holds their card or their own phone against the merchant’s device, and the transaction is processed via a certified app and a payment service provider (PSP).

For food trucks, market stalls and pop-up businesses, Tap to Pay solves several practical problems at once: there are no acquisition costs for a terminal, the smartphone is always with you anyway, and setup usually takes less than an hour. Seasonal businesses that are active for only a few months a year benefit especially, because there are no fixed costs or minimum contract terms. Tap to Pay is also a reliable backup solution – for example if the conventional terminal fails.

In Switzerland, the technology has been widely available since spring 2025. Apple enabled Tap to Pay on iPhone in March 2025 for Switzerland; Android devices have supported the function for longer via apps from various providers. Swiss PSPs that offer Tap to Pay include Payrexx, SumUp, Worldline, Stripe and Nexi.

2. How it works: smartphone instead of card reader – step by step

The process is almost identical with most providers and only takes a few steps:

Create and verify account: You register with the payment provider you choose, submit your company details and go through the regulatory check (Know Your Customer, KYC). With most providers, verification takes one to five working days – some, like Payrexx, offer same-day review if the documents are submitted by 4 p.m.

Download app: You install the provider’s Tap to Pay app from the Google Play Store (Android) or the Apple App Store (iPhone) and log in with your account.

Initiate payment: You enter the amount in the app, select the payment method (card or, for example, TWINT) and start the payment process.

Customer pays: Your customer holds their contactless card or their smartphone (with Apple Pay, Google Pay etc.) against the back of your device. For amounts over CHF 80, PIN entry is shown directly on the smartphone screen.

Confirmation and receipt: The transaction is confirmed. Depending on the provider, you can send the receipt by SMS, email or QR code.

The payout to your bank account takes place, depending on the provider, within 48 hours to five working days.

3. Requirements: Which smartphones, operating systems and apps are supported?

Tap to Pay requires a smartphone with NFC function (Near Field Communication). The exact requirements differ between iPhone and Android.

iPhone

Tap to Pay on iPhone requires at least an iPhone XS (2018) or newer. The device must have the latest iOS version installed and must be connected to the internet. In Switzerland, providers such as SumUp, Worldline, Stripe, Adyen, Mollie, myPOS and Nexi currently support the Apple function.

Android

For Android devices, you need an NFC-capable smartphone or tablet with at least Android 11. Google Play Services must be installed and up to date. Devices with root access or enabled developer options are usually blocked for security reasons. Most current models from Samsung, Google Pixel, OnePlus and Huawei are compatible.

Security and certification: Is Tap to Pay on a smartphone secure enough?

Yes. Tap to Pay is subject to the same security standards as a conventional card terminal. The technology is certified to the CPoC standard (Contactless Payments on Commercial Off-The-Shelf Devices) of the PCI Security Standards Council (PCI SSC) and meets the requirements of PCI DSS (Payment Card Industry Data Security Standard).

On iPhones, card data is processed in the so-called Secure Element – a dedicated security chip that is physically separated from the rest of the operating system. Apple does not store card numbers on the device or on its own servers. On Android devices, encryption and tokenisation ensure that sensitive card data is never stored or transmitted in plain text on the device. Instead of the actual card number, a temporary token is used.

The same security mechanisms as for contactless payments on conventional terminals also apply: amounts over CHF 80 require PIN entry (which happens directly on the smartphone screen), and the payment networks (Visa, Mastercard) monitor transactions in real time for irregularities.

5. Service speed: payment process under 5 seconds – practical test

In the everyday life of a food truck, every second counts, especially during the lunch rush. Tap to Pay performs well here: In practical tests, the pure payment process (from the moment the customer holds the card to the reader) takes between two and four seconds for contactless payments under CHF 80. For amounts over CHF 80, PIN entry is added, which extends the process to about eight to twelve seconds.

For comparison: a classic mobile terminal such as the SumUp Solo or a Worldline device takes about the same time for a contactless payment – the difference is in the range of one to two seconds and is hardly noticeable in practice. The real time advantage of Tap to Pay lies elsewhere: you do not need to charge, switch on or connect a separate device via Bluetooth. You enter the amount, the customer pays, done.

A relevant note for everyday food truck operations: a stable mobile network connection (4G/5G) is required for the payment process. In areas with poor reception – for example at festival sites in rural regions – delays can occur. Some providers allow limited offline transactions that are synchronised later, but this is the exception.

6. Tap to Pay vs. mobile terminal: when is the smartphone enough, and when do you need more?

Tap to Pay is not the right solution for every use case. The decision between a smartphone solution and a mobile terminal depends on the business model, transaction volume and the payment methods you accept.

Comparison: Tap to Pay vs. mobile terminal

Tap to Pay is especially suitable if you are just starting out, operate only seasonally or need an additional device for peak times. If you process more than CHF 1’000 per day, need to print receipts or regularly want to accept cards without NFC (for example older Maestro cards with chip), a mobile terminal is the more robust choice. Many merchants combine both: terminal as the main system, smartphone as backup.

7. Costs: No hardware, only transaction fees – what you really pay

The biggest cost advantage of Tap to Pay compared with a classic terminal lies in the hardware costs that are eliminated. You pay no purchase price, no rental, no maintenance contract. The costs are limited to transaction fees charged for each accepted payment and – depending on the provider – a monthly subscription.

Cost comparison of selected providers (Switzerland, as of 2026)

* Stripe fees apply to in-person payments in Switzerland (domestic). All information without guarantee, as of 2026.

An example calculation shows the cost structure: A food truck takes CHF 800 in card payments on a market day, spread across 50 transactions with an average amount of CHF 16. With a provider charging 1.65 % + CHF 0.15 per transaction (such as Payrexx), that results in total costs of around CHF 20.70 for the day. With SumUp at 1.5 % (debit), it would be CHF 12 – however, without TWINT acceptance, which is a relevant sales factor in Switzerland.

For Swiss SMEs that want to accept not only cards but also TWINT and PostFinance directly via smartphone, Payrexx Tap to Pay is one of the few solutions that combines all relevant Swiss payment methods in one app. Registration is possible via the free Free subscription, and verification is completed on the same day if all documents are submitted. Payrexx Tap to Pay can also be used with one account on multiple devices – practical if you work with two cash registers at the market stall (first device free, each additional one CHF 4/month).

8. Checklist: Set up Tap to Pay for your food truck or market stall

• Check whether your smartphone supports NFC (iPhone XS or newer, or Android with NFC and at least Android 11).

• Update your operating system to the latest version (iOS or Android).

• Choose a payment provider that supports Tap to Pay in Switzerland and covers the payment methods your customers use (especially TWINT and debit cards).

• Create an account with the chosen provider and submit your company details for the KYC check (commercial register extract, identity card, IBAN).

• Download the Tap to Pay app from the official app store and connect it to your account.

• Test the payment process with your own card or a test purchase before you go live.

• Make sure you have a stable mobile connection (4G/5G) at the location – test the reception in advance.

• Clarify how you want to issue receipts (digital via SMS, email or QR code).

• Decide whether you need a backup (second smartphone, mobile terminal, cash).

• Find out about your provider’s payout cycles (daily, weekly, monthly) and make sure the payout IBAN is entered correctly.