--- title: Turn Your Phone Into a POS. Stop Paying for Hardware That Hates You. description: Accept Tap to Pay directly on your phone. No terminals, no rent, no setup delays, no breakdowns. CPOS Pay lets you start taking payments in minutes, cut $500–$1,500 a year in POS hardware costs, and keep your business moving wherever you work. image: https://cpos.com/hubfs/hero%20image%20-%20featured%20image.png --- [Skip to content](https://cpos.com/tap-to-pay/turn-your-phone-into-pos#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 can accept payments ## Stop bleeding $500–$1,500 a year on unnecessary POS hardware. **Free Plan Available. No trial.**   [Get My Free Account](https://hub.cpos.com/auth/signup) ![image (1)](https://cpos.com/hs-fs/hubfs/image%20(1).png?width=1536&height=1024&name=image%20(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) - ![Amex](https://cpos.com/hs-fs/hubfs/Amex.png?width=1280&height=634&name=Amex.png) - ![Interac Debit Card](https://cpos.com/hs-fs/hubfs/interac.png?width=1280&height=720&name=interac.png) - ![JCB](https://cpos.com/hs-fs/hubfs/jcb.png?width=1280&height=634&name=jcb.png) ###### Trusted by 5,800+ businesses ###### $1,183,611,803 processed per year ###### 12+ years operating ## Feed the POS Machine. Or Feed Your Business. You Can’t Do Both. ![d2c51ea2-d496-4dc4-aa87-986d8994448b](https://cpos.com/hubfs/d2c51ea2-d496-4dc4-aa87-986d8994448b.png) **Traditional POS hardware is always hungry.** - $30–$125/month in rent - or $400–$900 upfront to buy - $215–$730 for replacements - $300–$500 cancellation penalties **No sales? It still feeds. ** **CPOS Pay cuts off the monster’s food supply.** No terminal. No rent. No hardware bills. Your phone takes payments. Your money stays yours. [Accept Payments for Free](https://hub.cpos.com/auth/signup) ![image](https://cpos.com/hubfs/image.png) ## Ditch Your Fragile Monster **POS hardware fails by design.** Batteries lose **20–30% capacity in ~18 months**, software updates cause **30–40% of POS disruptions**, and aging terminals show **up to 40% higher error rates**. **When hardware breaks, payments stop.** Network outages hit **1 in 4 merchants every year**, and during downtime **100% of transactions are blocked**. **Mobile terminals don’t fix it.** Same failure rates, shorter battery life, higher breakage risk. Add printers, and you get **1 in 3 POS failures tied to printing** alone. ![Sans titre (1200 x 900 px)](https://cpos.com/hubfs/Sans%20titre%20(1200%20x%20900%20px).png) ##### No fragile device to carry No extra hardware to drop, crack, lose, or replace.  ![Sans titre (1200 x 900 px) (2)](https://cpos.com/hubfs/Sans%20titre%20(1200%20x%20900%20px)%20(2).png) ##### No wires. No leash. Forget cables, docks, chargers, and fixed counters. Unleash your business.  ![Sans titre (1200 x 900 px) (1)](https://cpos.com/hubfs/Sans%20titre%20(1200%20x%20900%20px)%20(1).png) ##### No flaky hardware failures No Bluetooth dropouts. No frozen screens. No printers jamming mid-sale. [Accept Payments for Free](https://hub.cpos.com/auth/signup) ## Tap To Pay on Your Phone Saves Time and Money Faster checkouts without hardware delays or downtime. Skip lines, breakdowns, and wasted setup time. ![ChatGPT Image Jan 16, 2026, 10_36_33 AM](https://cpos.com/hubfs/ChatGPT%20Image%20Jan%2016%2c%202026%2c%2010_36_33%20AM.png) ## Traditional POS Hardware **Slow to start** Delivery + setup takes **1–3 weeks** before your first payment. **High upfront effort and cost** Onboarding fees up to **$2,000 per location**. **Constant waiting** **44% of complaints** come from delivery and setup issues. **Support = downtime** **87% of merchants** wait **4+ hours** for help, with **4–6 hours lost per incident**. **Failures cost real money** **14 hours of downtime per year**, losing up to **$427 per minute**. ## With CPOS Pay **Start immediately** Accept payments **in minutes**. **No setup costs** **$0 onboarding**, no hardware to install. **No delivery delays** Nothing to ship. Nothing to configure. **No hardware support tickets** No terminals, no printers, no waiting on fixes. **No hardware downtime** Payments keep moving as long as your phone does. [Accept Payments for Free](https://hub.cpos.com/auth/signup) ## Getting Started in Minutes. **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.     [Accept Payments for Free](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) ## 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. ## 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) [Accept Payments for Free](https://hub.cpos.com/auth/signup) ![Google Reviews 4.4 stars, 729 reviews](https://cpos.com/hs-fs/hubfs/google_reviews%203%20(1200%20x%20628%20px).png?width=200&height=105&name=google_reviews%203%20(1200%20x%20628%20px).png "Google Reviews 4.4 stars, 729 reviews") ### Trusted by Small Businesses Like Yours ⭐⭐⭐⭐⭐ 4.4 from 726 Business Owners ![Joel Labranche's review, 5 stars](https://cpos.com/hs-fs/hubfs/Joel%20Labranche.png?width=72&height=72&name=Joel%20Labranche.png)"Sheldon was pretty great to work with. Personable guy, not pushy, helped me sort out what I needed for my business. Everything's set up now and I'm excited for 2026" December, 2025 ⭐⭐⭐⭐⭐ Joel Labranche ![Two Guys One Couch's review, 5 stars](https://cpos.com/hs-fs/hubfs/Two%20Guys%20One%20Couch.png?width=72&height=72&name=Two%20Guys%20One%20Couch.png)"Was dealing with Adam! Great service! Nothing but smooth business with the company. Would recommend!" November, 2025 ⭐⭐⭐⭐⭐ Two Guys One Couch "Commando has been working with Paul Mollot for almost 10 years. If I could give him more than a 5-star I would. We never wait for service and he always ensure we have what we need for our seasonal business. He goes above and beyond for our small business!" November 2025 ⭐⭐⭐⭐⭐ Commando Action Centre ![Bee By The Sea Natural Products's review, 5 stars](https://cpos.com/hs-fs/hubfs/Bee%20By%20The%20Sea%20Natural%20Products.png?width=72&height=72&name=Bee%20By%20The%20Sea%20Natural%20Products.png) "Got a pos system from Sai for our store. Pos system looks good and always works" October 2025 ⭐⭐⭐⭐⭐ Bee By The Sea Natural Products ![Samuel Chamling's review, 5 stars](https://cpos.com/hs-fs/hubfs/Samuel%20Chamling.png?width=72&height=72&name=Samuel%20Chamling.png)"The service and software was unbelievable! Had an amazing experience with this company :)" August 2025 ⭐⭐⭐⭐⭐ Jenny Wilson ![Joey Gaskell's review, 5 stars](https://cpos.com/hs-fs/hubfs/Joey%20Gaskell.png?width=72&height=72&name=Joey%20Gaskell.png)"Great company to work with. You can tell management really cares about small businesses." March 2024 ⭐⭐⭐⭐⭐ Joey Gaskell ![shawna glaeser's review, 5 stars](https://cpos.com/hs-fs/hubfs/shawna%20glaeser.png?width=72&height=72&name=shawna%20glaeser.png)"Working with this company has made setting up a new pos system for a new business so simple! The customer service I received was far beyond my expectations." December, 2025 ⭐⭐⭐⭐⭐ Shawna Glaeser ## The World Went Mobile. Payments Followed ![Screenshot 2026-01-23 145408](https://cpos.com/hs-fs/hubfs/Screenshot%202026-01-23%20145408.png?width=208&height=300&name=Screenshot%202026-01-23%20145408.png "Screenshot 2026-01-23 145408") The world went mobile. Customers expect speed, anywhere. Payments stayed behind. Tied to terminals that don’t move. That changed. The phone became the point of sale. Modern payments, built for how business actually works now. ### 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, anytime. ## Ready to start your Journey? [Accept Payments for Free](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)