Tap to Pay, also known as SoftPOS, is a technology that allows retailers to use their smartphone as a checkout terminal. This allows them to accept payments without additional hardware.

Tap to Pay is an application that must be installed on the device. Merchants can use it to accept contactless payments via credit and debit cards (Visa and Mastercard), TWINT or via mobile wallets such as Apple Pay, Google Pay or Samsung Pay.

Transactions are carried out using NFC technology. This "Near Field Communication" is an international standard based on RFID technology (Radio Frequency Identifier), which enables the contactless exchange of data. In this way, payment information is transferred quickly, securely and without physical contact.

The payment process with Payrexx Tap to Pay includes the following steps:

1. Select the desired payment method (card or TWINT).

2. Enter the amount to be paid.

3. Your customers can now either hold their card to your smartphone, open the mobile wallet and hold their cell phone to yours or scan the TWINT code displayed within their TWINT app.

4. Done! The transaction is complete and the amount will be transferred to your Payrexx account within 48 hours.

You can find detailed instructions on the payment process in the documentation.

The application works on all devices that meet the following requirements:

• Android operating system, version 8.1 or higher

• NFC compatibility

• Google Mobile Service

• TEE in a SoC (Trusted Execution Environment in a System on a Chip)

• Internet connection

Most of these points are available on all modern, popular smartphones. If you download Payrexx Tap to Pay via the Google Play Store and have not modified your phone or activated the developer options, the app should work without any problems.

The detailed list of requirements can be found in the documentation.

No, unfortunately not.

This is not due to Payrexx, but to Apple: the company has not yet released the payment technology in its smartphones for Switzerland. As soon as Apple catches up with this step, Payrexx Tap to Pay will also be available for all iPhones.

With Payrexx Tap to Pay, your customers can pay with the following payment methods:

• Visa

• Mastercard

• TWINT

• Mobile wallets (Apple Pay, Google Pay or Samsung Pay)

Payrexx Tap to Pay is designed to enable you to receive payments as conveniently as possible and without additional technology. The app contains the following features:

• Payment overview of all transactions

• Analysis of your payments

• Muting incoming calls and notifications

• Switch between several terminals

• Light or dark mode

• available in German, English, French and Italian

You can find an overview of all Payrexx Tap to Pay functions in the documentation.

The application can be downloaded free of charge from the Google Play Store or directly via your Payrexx account.

In addition to the monthly costs for your Payrexx account, the following transaction fees apply:

1.25 % + CHF 0.15*
*no fixed fees for TWINT

For more detailed information on the Payrexx pricing model, please also consult the pricing page.

With the highest security standards, Payrexx ensures that not only your data but also your customers' data is secure. We offer the greatest possible security for every transaction. The following security precautions Payrexx takes specifically:

• Personal data, both yours and that of your customers, is stored on secure Swiss servers in compliance with the GDPR.

• Payrexx is fully PCI DSS Level 1 certified, the highest global security standard for payment data, developed in cooperation with several credit card organizations.

• To ensure secure data transmission, Payrexx uses encryption protocols such as SSL (Secure Socket Layer) with 256-bit encryption, the highest security standard.

• The 3-D Secure process strengthens online payments with additional identification, minimizes fraud risks and chargebacks, and ensures maximum security and customer authentication.