--- title: CPOS Tap to Pay | Your phone is now the card reader description: Accept contactless cards and digital wallets with just your phone. No hardware, no monthly fees. image: https://cpos.com/hubfs/banner-1.png --- [![CPOS](https://app.cpos.com/lp/cpos.png)](https://cpos.com/?hsLang=en) [How it works](https://cpos.com#how) [FAQ](https://cpos.com#faq) [Terminals](https://cpos.com/terminal?hsLang=en) [AI Video](https://cpos.com/ai-video?hsLang=en) [Contact](https://cpos.com/contact-us?hsLang=en) [Get the app](https://cpos.com#get) [How it works](https://cpos.com#how)[FAQ](https://cpos.com#faq)[Terminals](https://cpos.com/terminal?hsLang=en)[AI Video](https://cpos.com/ai-video?hsLang=en)[Contact](https://cpos.com/contact-us?hsLang=en) Set up in minutes # Your phone is now the card reader. Accept contactless cards and digital wallets with just your phone. **No hardware, no monthly fees.** [Download on the**App Store**](https://apps.apple.com/app/id6747078851) [Get it on**Google Play**](https://play.google.com/store/apps/details?id=com.cpos.taptopay) **2.49%**direct to bank **6,000+**businesses paid **$1B+**processed / yr *✓* **Approved**C$48.00 · Visa *✉* **Receipt sent**by text Accepts every major card & wallet ![](https://app.cpos.com/home/cards/visa.png)![](https://app.cpos.com/home/cards/mastercard.png)![](https://app.cpos.com/home/cards/americanexpress.png)![](https://app.cpos.com/home/cards/discover.png)![](https://app.cpos.com/home/cards/jcb.png)![](https://app.cpos.com/home/cards/applepay.png)![](https://app.cpos.com/home/cards/googlepay.png) ![](https://app.cpos.com/home/cards/visa.png)![](https://app.cpos.com/home/cards/mastercard.png)![](https://app.cpos.com/home/cards/americanexpress.png)![](https://app.cpos.com/home/cards/discover.png)![](https://app.cpos.com/home/cards/jcb.png)![](https://app.cpos.com/home/cards/applepay.png)![](https://app.cpos.com/home/cards/googlepay.png) How it works ## From zero to paid. Three steps. About five minutes. 1 ### Set up free Download CPOS Pay and create your account right in the app. Minutes, no credit check, no hardware. Your phone is the reader. 2 ### Enter & tap Type the amount and your customer taps their card or phone on the back. That's the whole checkout. 3 ### Get paid Approved in about a second, with a digital receipt sent by text or email automatically. 9:41 ![](https://app.cpos.com/lp/cpos.png) You're ready to take payments Your phone is now the card reader Account created No hardware needed No credit check Take a payment ![](https://app.cpos.com/lp/cpos.png) Enter amount C$0.00 123456789.0⌫ Charge Hold card near the top of the phone Tap to pay C$48.00 •••• 482109/29 ![](https://app.cpos.com/lp/cpos.png) Payment successful C$48.00 How would you like your receipt? Email Text message Tap anywhere to continue Receipt sent by text Who it's for ## Wherever the work happens, get paid there. No register to stand behind. The whole checkout fits in one hand. ![A landscaper takes a tap payment](https://cpos.com/hubfs/Landscaper.png) At the door ### Trades & home services Landscapers, lawn crews, handymen, contractors. Get paid the second the job wraps, right at the door. ![A mobile service pro takes a tap payment](https://cpos.com/hubfs/570434cc-d423-4573-b267-8be2eb065a1c.png) On every visit ### Mobile services Cleaners, detailers, dog groomers. Your phone is the whole register, on every visit. ![A market vendor holds up an approved payment](https://app.cpos.com/home/tap_hero.jpg) Anywhere ### Pop-ups & solo sellers Market stalls, fairs, side hustles. Take cards and wallets anywhere, text the receipt on the spot. One simple rate 2.49% direct to bank **6,000+**businesses paid **$1B+**processed / yr No hardwareNo monthly feesCancel anytime Real customers ## Loved by people who hate fuss. ★★★★★ > "The best I've dealt with in 18 years. Fast processing, and the customer service is one of the best out there. My customers love just tapping to pay." *K* **Kam**Mobile automotive service ★★★★★ > "I manage a handyman service and this app saves me so much time and eliminates the bulky paperwork. Best of all is the Tap to Pay. My customers love how easy it is." *SS* **Sierra Staton**Handyman service · Google Play ★★★★★ > "Very good app for vendors. No hardware, just your phone. Being able to take cards and Apple Pay is a must. So convenient for my small business." *TP* **Tashara Perdue**Market vendor · Google Play ★★★★★ > "Makes it less awkward to ask for payment when clients can just tap on my phone, or pay via text message. Invoicing is a breeze." *MM* **Marshall M.**Business consultant · App Store FAQ ## Questions, answered. What is Tap to Pay and how does it work? Tap to Pay turns your iPhone or Android into a contactless card reader. Enter the amount in the CPOS app and your customer taps their card or phone on the back of your device. No extra hardware required. Is it really free to start? Yes. There is no monthly fee and no subscription to start taking payments. You process in-person payments at 2.49% + $0.10 and only pay when you get paid. What are the transaction fees? Tap to Pay is 2.49% + $0.10 per transaction, with unlimited payments and no monthly volume caps. You can lower your rate later right inside the app as your business grows. Does it work on iPhone and Android? Yes. CPOS Pay works on supported iPhones and Android devices with contactless hardware. If you see "Device is not supported," your phone may lack the required NFC hardware. Is there a limit per payment? You can take payments up to $1,000 per transaction out of the box, with no monthly volume caps. Working on bigger jobs? Raise your per-transaction limit in seconds from the app after a quick verification. Can I cancel anytime? Yes. There are no contracts or lock-in. Upgrade, downgrade, or cancel whenever you want. Can it send receipts by text? Yes. Send digital receipts by SMS or email right after the payment, with no paper needed. Can I accept tips? Yes. You can turn on tipping and let customers add a tip at checkout. How are refunds handled? You can issue full or partial refunds from the app on any payment. No extra hardware needed. Can I manually enter card numbers? CPOS Pay is primarily designed for Tap to Pay. Rather than manual entry, you can generate an invoice link that lets the client securely complete the payment themselves. Get CPOS Pay free ## Your next sale is a tap away. Set up in minutes. Pay nothing to start. Keep the phone you already own. [Download on the**App Store**](https://apps.apple.com/app/id6747078851) [Get it on**Google Play**](https://play.google.com/store/apps/details?id=com.cpos.taptopay) [![CPOS](https://app.cpos.com/lp/cpos.png)](https://cpos.com/?hsLang=en) Helping small businesses compete with the big guys, with fair, reliable payment tools. #### Contact (888) 500-9340 [support@cpos.com](mailto:support@cpos.com) 251 Laurier Ave W, Suite 800 Ottawa, ON K1P 5J6 #### Company [Terminals](https://cpos.com/terminal?hsLang=en) [AI Video](https://cpos.com/ai-video?hsLang=en) [Contact us](https://cpos.com/contact-us?hsLang=en) [Privacy Policy](https://cpos.com/privacy?hsLang=en) [Terms of Use](https://cpos.com/terms-of-use?hsLang=en) ©2026 CPOS. All rights reserved.Apple, the Apple logo, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Google Play and the Google Play logo are trademarks of Google LLC. **Get CPOS Pay free**No monthly fee · cancel anytime [Get the app](https://cpos.com#get)