--- title: Tap to Pay Australia | CPOS description: "CPOS Pay: Your Phone is Now Your Card Reader Empower your business with secure and convenient tap-to-pay functionality, straight from the device you already ..." --- [Skip to content](https://cpos.com/tap-to-pay/australia#main-content) [![CPOS](https://cpos.com/hubfs/CPOS%20Logo%20Transparent%20-%20Horizonal%20-%203x.png)](https://cpos.com/home-old?hsLang=en) - [Tap to Pay](https://cpos.com/tap-to-pay-old) - [POS Terminals](https://cpos.com/terminal-old) - [About Us](https://cpos.com/about-us) - [Contact Us](https://cpos.com/contact-us-old) - [Tap to Pay](https://cpos.com/tap-to-pay-old) - [POS Terminals](https://cpos.com/terminal-old) - [About Us](https://cpos.com/about-us) - [Contact Us](https://cpos.com/contact-us-old) ![menu-toggle](https://21645388.fs1.hubspotusercontent-na1.net/hubfs/21645388/menu-toggle.svg) ![menu-close](https://21645388.fs1.hubspotusercontent-na1.net/hubfs/21645388/menu-close.svg) [log in](https://hub.cpos.com/auth/signin) [Sign Up](https://hub.cpos.com/auth/signup) # Your Phone becomes your Card Reader Empower your business with secure and convenient tap-to-pay functionality, straight from the device you already own. Processing Fee starts at 2.29% + $0.10 per Tap payment.  **Free Plan Available. No trial.**   [Get My Free Account](https://hub.cpos.com/auth/signup) ![CPOS-Hero-CPOSPay-1](https://cpos.com/hubfs/CPOS-Hero-CPOSPay-1.png) - ![Mastercard](https://cpos.com/hs-fs/hubfs/mastercard.png?width=1280&height=634&name=mastercard.png) - ![Visa](https://cpos.com/hs-fs/hubfs/visa%20(1).png?width=1280&height=720&name=visa%20(1).png) - ![Apple pay](https://cpos.com/hs-fs/hubfs/apay.png?width=1280&height=634&name=apay.png) - ![Google Pay](https://cpos.com/hs-fs/hubfs/gpay.png?width=1280&height=634&name=gpay.png) - ![Samsung pay](https://cpos.com/hs-fs/hubfs/samsungpay.png?width=1280&height=634&name=samsungpay.png) - ![images (1)-1](https://cpos.com/hs-fs/hubfs/images%20(1)-1.png?width=279&height=181&name=images%20(1)-1.png) ## Getting Started is Just a Tap Away! **Quick Setup** Create your account and finish onboarding in minutes. **Download Our App** Install the mobile app and log in using your credentials. **Enter Payment** Input the bill amount you wish to charge your customer. **Tap to Accept** Customers simply tap their card or phone on the back of your device. **Digital Receipts** Send receipts instantly via email or text. Just **2.29% + $0.10** per Tap to Pay transaction. [Get Your Free Account](https://hub.cpos.com/auth/signup) ![1.Onboarding](https://341783808.fs1.hubspotusercontent-na3.net/hub/341783808/hubfs/1.Onboarding.png?width=1200&length=1200&name=1.Onboarding.png) ![2.Add bill amount](https://341783808.fs1.hubspotusercontent-na3.net/hub/341783808/hubfs/2.Add%20bill%20amount.png?width=1200&length=1200&name=2.Add%20bill%20amount.png) ![3.Tips](https://341783808.fs1.hubspotusercontent-na3.net/hub/341783808/hubfs/3.Tips.png?width=1200&length=1200&name=3.Tips.png) ![4.Tap Screen](https://341783808.fs1.hubspotusercontent-na3.net/hub/341783808/hubfs/4.Tap%20Screen.png?width=1200&length=1200&name=4.Tap%20Screen.png) ![5.Receipt Screen](https://341783808.fs1.hubspotusercontent-na3.net/hub/341783808/hubfs/5.Receipt%20Screen.png?width=1200&length=1200&name=5.Receipt%20Screen.png) ![6.Transactions](https://341783808.fs1.hubspotusercontent-na3.net/hub/341783808/hubfs/6.Transactions.png?width=1200&length=1200&name=6.Transactions.png) ## Simplify How You Get Paid Transform your phone into a powerful payment tool. Tap. Paid. Done. ![Image 1](https://cpos.com/hubfs/Image%201.png) ##### No extra hardware Cut the unnecessary costs. Forget about buying a terminal or paying rental fees. You already own the only device you need. ![Image 2](https://cpos.com/hubfs/Image%202.png) ##### No credit check Get approved instantly and start taking payments without additional checks on your financial history. ![Image 3](https://cpos.com/hubfs/Image%203.png) ##### No lock-in contracts Use Tap to Pay on your terms. No long-term commitments and no fine print. Stick around because it works for you. [Turn Your Phone into a payment terminal](https://hub.cpos.com/auth/signup) ## Made for Getting Paid Anywhere Simple payments that work wherever you do. Built for fast, everyday in-person payments. ![Customer making an in-store Tap to Pay purchase using a smartphone in an independent retail shop](https://cpos.com/hubfs/reatail-stores-tap-to-pay-1.png) ##### Independent Retail Shops Gift shops, specialty stores, kiosks, pop-ups - Easy in-store and on-the-go payments - Fewer declines at checkout - Fast payouts to keep cash flowing ![Customer paying with Tap to Pay on a handheld device at a car wash or vehicle care service](https://cpos.com/hubfs/car-wash-tap-to-pay-1.png) ##### Car Wash & Vehicle Care Car washes, detailing services, memberships - Tap-to-pay anywhere on the lot - No terminals tied to a counter - Built for high-volume traffic ![Tap to Pay card payment on a smartphone at a clothing or fashion retail store](https://cpos.com/hubfs/closing-and-fashion-stores-tap-to-pay-1.png) ##### Clothing & Fashion Stores Boutiques, apparel shops, fashion retailers - Smooth in-store tap-to-pay checkout - Fewer returns and chargebacks - Easy app built for small businesses ![Tap to Pay card payment on a smartphone at a beauty studio](https://cpos.com/hubfs/salons-nail-studios-tap-to-pay-1.png) ##### Service-Based Businesses Salons, studios, trainers, local services - Easy payments per appointment - Tips and add-ons included - Start accepting payments in minutes ![Tap to Pay card payment on a smartphone at an auto repair or service shop](https://cpos.com/hubfs/auto-repair-and-service-shops-tap-to-pay-1.png) ##### Auto Repair & Service Shops Mechanics, garages, service centers - Take payments anywhere in the garage - Everyone can get paid on their phone - Get paid in person or by invoice ![Home service professional sending an invoice on a smartphone at a renovation job site](https://cpos.com/hubfs/construction-invoice-tap-to-pay-1.png) ##### Home Services Handymen, plumbers, renovation teams - Take deposits and progress payments - Get paid faster on large jobs - Clear records for every project ![menu-toggle](https://21645388.fs1.hubspotusercontent-na1.net/hubfs/21645388/menu-toggle.svg) ![menu-close](https://21645388.fs1.hubspotusercontent-na1.net/hubfs/21645388/menu-close.svg) ## Start For Free. Lower Fees As You Grow No contracts. Cancel anytime. Instant upgrade/downgrade. No hardware required Free Plan ### $0 ###### **No monthly fee. No subscription.** Upgrade as you grow. [Get Started Free](https://hub.cpos.com/auth/signup) - Payments, Tips, Taxes, Invoicing, Refunds - $250 per payment limit - In-person payments: 2.49% + $0.10 - Unlimited payments. No monthly caps. - Regular payouts, 0% fee Pro Plan ### $20 /mo ###### Lower fees. Higher limits. Built for growing businesses. [Get Pro](https://hub.cpos.com/auth/signup) - Payments, Tips, Taxes, Invoicing, Refunds - $1,000 per payment limit - In-person payments: 2.29% + $0.10 - Unlimited payments. No monthly caps. - Priority payouts, 0% fee. Premium ### $1200 ###### Free Forever. As long as you hustle. No credit card required [SIGN UP](https://www.hubspot.com/) - We create amazing digital products. - We create amazing digital products. - We create amazing digital products. - We create amazing digital products. - We create amazing digital products. ## We’re on the side of small businesses Running a business is already a lot. Payments shouldn’t make it harder. CPOS helps individuals and small teams accept payments and get paid without extra devices or complicated setups. Use your phone, use a terminal, or mix both.  ![google_reviews 3 (1200 x 628 px)](https://cpos.com/hs-fs/hubfs/google_reviews%203%20(1200%20x%20628%20px).png?width=180&height=94&name=google_reviews%203%20(1200%20x%20628%20px).png) Thousands of businesses trust CPOS every day, processing billions in payments each year. We believe small businesses keep communities alive, and they deserve tools that are fair, reliable, and easy to use. That’s what we focus on. Nothing more, nothing less.   ### 12 ### + Years in Business ### 5826 Growing Businesses Served ### 1,183,611,803 ### $ Processed Per Year ### FAQ ###### What is Tap to Pay and how does it work with CPOS PAY?   Tap to Pay is a contactless technology that uses your phone’s built-in sensor (NFC) to process payments. Customers simply tap their cards or their phones or digital wallets against your device, and CPOS PAY securely handles the transaction instantly without any extra hardware.   ###### Who is CPOS PAY for?   It’s for anyone who needs to take card payments directly on their phone. Whether you run a shop, a mobile service, or a side hustle, you can get paid anywhere without needing a card reader.  ###### Is it a free app or is there a monthly subscription fee?   We offer a Free Plan with $0 monthly fees and no subscription required. For growing businesses, our Pro Plan is available for $20/mo to unlock higher limits and lower transaction rates. There are no long-term contracts or hidden costs.  ###### How does CPOS PAY compare to traditional credit card terminals?   Traditional terminals likely involve long-term contracts, hidden fees, and hardware that is slow to set up and prone to breaking. CPOS PAY offers a contract-free solution with no upfront costs, allowing you to accept payments instantly using only the phone you already own.   ###### Is CPOS PAY for individuals or businesses?   It’s for everyone. Whether you’re a registered business, a freelancer, or just hosting a garage sale, CPOS PAY lets you accept card payments instantly. It's the easiest way to turn any side hustle or lemonade stand into a pro setup.  ###### What are the transaction fees?   Our rates are transparent with no onboarding or rental fees: **Free Plan Processing Fees — $0 /mo** - Tap to Pay: 2.49% + $0.10 - Invoicing payments: +1% + $0.20 - International cards: +1% + $0.20 **Pro Plan Processing Fees — $20 /mo** - Tap to Pay: 2.29% + $0.10 - Invoicing payments: +1% + $0.20 - International cards: +1% + $0.20 ###### How long does it take for funds to be deposited into my account?   Payouts are processed in **3 business days** in Canada, and **2 business days** in the US and Australia. The very first payout can take up to seven business days due to initial security checks.  ###### Do you offer Instant Payouts?   Yes, once eligible. Accounts with a strong processing history with CPOS PAY can request Instant Payouts by contacting support@cpos.com  ###### Is there a limit for Tap to Pay payments? - **Free Plan:** Maximum **$250** per transaction. - **Pro Plan:** There is a maximumof **$1000** per transaction. However, it **depends on the customer's bank**; some banks limit Tap to Pay transactions to $250 on physical cards, where Google Pay and Apple Pay may work up to $1000.  ###### Is there a limit for Invoice payments? - **Free Plan:** Maximum **$250** per transaction. - **Pro Plan:** Up to **$1,000** per transaction.  ###### Can multiple staff use CPOS PAY on their own phones?   Yes. Up to **3 team members** can accept payments on their own devices under a single account. Perfect for mobile teams and shift-based staff.   ###### Does it work on Android devices?   Yes. CPOS PAY is fully compatible with Android.   ###### Does it work on any phone?   Mostly yes. To use the app, your phone must have **NFC enabled** and run **iOS 15.1** or **Android 10** or later. For security, your device must be GMS certified and cannot be rooted or have "Developer Options" turned on.  ###### What if I see "Device is not supported"?   If you have faced problems with your device being unsupported, common causes for this error include: - **NFC is disabled:** Ensure NFC is turned on in your settings. - **Outdated OS:** Make sure your phone's software is fully updated. - **Developer Mode:** Having "Developer Options" enabled can sometimes block the app for security. ###### How does signing up for CPOS PAY work?   Register[here](https://hub.cpos.com/auth/signup) to create your account and complete your info in minutes. Once registered, simply download the mobile app and log in to start accepting payments immediately.  ###### Can CPOS PAY send receipts by SMS instead of email?   Yes. After any payment, you can send receipts via **SMS (text message)**, email, or skip them entirely. Just enter the customer's phone number to send it instantly  ###### Can I accept tips with CPOS PAY?   Yes. Customers can add tips during the **Tap to Pay**. Tips are automatically included in your regular payouts—perfect for service and hospitality.  ###### 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 allows the client to securely complete the payment themselves. ###### How are refunds handled in CPOS PAY?   Manage refunds directly in the app from any completed transaction. - **Process:** Select the payment, enter the amount, and provide a reason to issue it. - **Flexibility**: Supports full or multiple partial refunds until the total is returned. - **Timeline:** Funds typically return to the customer in 3–5 business days. ###### Can I cancel my subscription anytime?   Yes, you can cancel your subscription anytime. To cancel your subscription, visit[this link](https://hub.cpos.com/subscriptions) and click the **"Cancel"** button.  ###### Are my billing information and data secure with CPOS PAY?   Protecting your data is our top priority. Our system is built with advanced fraud prevention measures, ensuring that sensitive details like card numbers and PINs are never saved on your phone or our servers. This keeps every transaction fully encrypted and secure for both you and your customers.  ## Accept payments with your phone anywhere, any time. ## Ready to take the next step ? [get started](https://hub.cpos.com/auth/signup) [![CPOS](https://cpos.com/hubfs/CPOS_horizontal_logo_White.png)](https://cpos.com/home-old?hsLang=en) We wish small-to-midsize businesses like yours would be able to compete with the big guys, access the same technologies, and leverage scale-friendly efficiencies. We’re creating that world right now. *CPOS is an Elavon Payments MSP & Registered MSP/ISO of the Canadian branch of U.S. Bank National Association and Elavon* - - ### Products - [Tap to Pay – Accept Cards on Your Phone](https://cpos.com/tap-to-pay-old) - [POS Terminal](https://cpos.com/terminal-old) ### Our Company - [About Us](https://cpos.com/about-us) - [Contact Us](https://cpos.com/contact-us-old) ###### Get In Touch (888) 500-9340 support@cpos.com   251 Laurier Ave W Suite 800 Ottawa, ON K1P 5J6 ©2026 CPOS [Privacy Policy |](https://cpos.com/privacy?hsLang=en) [Terms & Conditions](https://cpos.com/terms-of-use?hsLang=en)