Equip your staff to sell to your customers wherever they may be in your store, the moment they’re ready to purchase. Lightspeed Scanner enables on-the-move inventory management and the ability to generate and process sales directly in the app with Lightspeed Payments Tap to Pay on iPhone.

Device requirements

To use Tap to Pay you must meet the following device requirements:

• iPhone XS or a later model, running iOS 17.4 or later.
• Device must have a security PIN.
• Tap to Pay requires access to the device's location to verify payment and comply with PCI requirements.
• One Apple ID is required for all installs of Tap to Pay functionality.
• A WiFi or cellular data connection to process sales and take payments.
• Scanner app version v6.0.0 for iOS.

Account requirements

Tap to Pay on iPhone functionality is only available for:

• Store locations approved to use Lightspeed Payments.
• Merchants on Core or Plus plans.
• Merchants in the United States, Canada, Australia, the United Kingdom, Ireland, and the Netherlands.

Activating Tap to Pay on iPhone

To activate Tap to Pay on iPhone:

1. Once the feature has been enabled on your account, you'll see a Sell tab on the main navigation of the Scanner app. Select the Sell tab.
2. Choose a register. This is the register that sales will be attributed to.
3. Sign in with your Apple ID as prompted. Review Apple's Tap to Pay on iPhone Terms and Conditions.

   Signing in with your Apple ID will link any iPhone using the beta Scanner app with your Lightspeed Payments account.

4. Select Allow While Using App on the location access popup. Tap to Pay requires access to the device's location to verify payment and comply with PCI requirements.

   

5. A software update will automatically run to complete the Tap to Pay on iPhone activation.

After signing in on one device, other iPhones using the app that meet device requirements will be able to use Tap to Pay on iPhone functionality.

Processing a sale with Lightspeed Payments Tap to Pay on iPhone

1. Open the Lightspeed Scanner app and navigate to the Sell tab.
2. Add products to the mobile cart by typing or scanning in the Search for products field.

   

3. Tap the Add customer icon at the top right of the screen and use the Add customer to the cart field to search for a customer profile. If the customer does not already have a customer profile, enter their name and select Add “X” as new customer, following the on-screen prompts to create and attach the new customer.

   

4. Optionally, tap the More options ellipsis icon at the top right of the screen and select one of the options to add additional requirements to the sale, such as a sales note, promo code or discount.

   

5. When the sale is ready to be paid, tap Pay.
6. Have the customer tap their card or digital wallet device on the area indicated on the screen. If PIN verification is required, the customer must enter their PIN using the on-screen number pad. For non-PIN verification purchases, the payment will process automatically.

   

7. Once completed, a receipt can be emailed to the customer using the Email receipt to field, or tap Complete sale to finish.

   

Processing an On account sale

Only available for merchants with access to the beta Selling feature.

On account sales allow a customer to purchase and take products which they pay for at a later date. To process an On account sale using the Scanner app:

1. Open the Lightspeed Scanner app and navigate to the Sell tab.
2. Add products to the mobile cart by typing or scanning in the Search for products field.

   

3. Tap the Add customer icon at the top right of the screen and use the Add customer to the cart field to search for a customer profile. If the customer does not already have a customer profile, enter their name and select Add “X” as new customer, following the on-screen prompts to create and attach the new customer.

   

4. Tap Pay.
5. Tap On account.
   • If the On account option is grayed out, this means that the sale exceeds the allowable On account limit. The customer will need to pay down their On account balance or make a partial payment using another payment method and put the remaining balance On account. If you have user permissions to do so, you could also increase the customer's On account limit.
6. Once completed, a receipt can be emailed to the customer using the Email receipt to field, or tap Complete sale to finish.

   

Processing a sale without Lightspeed Payments

Merchants that process payments with non-Lightspeed Payments payment processing partners are not able to offer Tap to Pay with the Lightspeed Scanner app. You will need to park the sale and process the payment using Retail POS on computer or iPad.

1. In the Lightspeed Scanner app, tap Park Sale.

   

2. On a computer or iPad, open Retail POS and navigate to Sell > Sales History.
3. Locate the parked sale using the filters as necessary. Click the sale to expand.
4. Select Continue sale.
5. On the sell screen, click Pay and process the payment using the desired payment method.
6. Once payment has been processed, click Complete sale.

Tap to Pay on iPhone FAQs

• How much do Tap to Pay on iPhone transactions cost?

  All transactions are subject to applicable credit card processing rates from Lightspeed Payments.

• What kinds of payments can I accept?

  Tap to Pay on iPhone includes support for Visa, Mastercard, American Express contactless cards, and NFC-based mobile wallets (Apple Pay, Google Pay, and Samsung Pay). PIN entry is supported in eligible markets. Additionally, Discover is supported in the US, Interac is supported in Canada, and eftpos is supported in Australia.

• What if the Tap to Pay on iPhone payments requests a PIN?

  • PIN verification may be required if the payment exceeds the contactless limit or if the card issuer requires a PIN.
  • If customers are paying with a card that supports online PIN, a PIN entry screen will appear on the phone, allowing the customer to enter their code.
  • If the customer has a card that must be inserted into a reader (not supported on iPhone), the retailer can use one of the following three alternative methods to accept payment:
    1. Ask the customer if they can pay with a digital wallet, such as Apple Pay, Google Wallet or Samsung Pay, or
    2. Ask the customer to try paying with another card, or
    3. Park the sale and process payment on a Lightspeed Payments terminal.

• What are the contactless payment limits that require PIN authentication?

  Amounts over the values below may prompt PIN entry on the merchant's iPhone:

  • Australia: AU$100 to $200 depending on the card scheme
  • Canada: CA$250*
  • United Kingdom: GBP100*
  • United States: No limit
  • Ireland: €50
  • The Netherlands: €50

  *In the UK and Canada, there are specific considerations for contactless payments due to regional requirements and card issuer policies. In the UK, some cards might need to be inserted into a device to comply with Strong Customer Authentication requirements, which vary depending on the issuer. In such cases, the payment will be declined before the PIN screen appears, with the reason offline_pin_required.

  Similarly, in Canada, the majority of issued cards are offline PIN only, meaning they require contact (for example, insertion into a device) to provide a PIN. Tap to Pay on iPhone doesn’t support offline PIN (only online PIN), which means any transaction over the CVM limit (250 CAD) for cards that only support offline PIN will be declined.

  In these scenarios, one of the three alternative payment methods listed above should be used.

• Does Tap to Pay on iPhone work on iPad?

  No, you can only use an iPhone to accept payments with Tap to Pay on iPhone.

• Are Tap to Pay on iPhone payments secure?

  Yes, the Lightspeed Scanner app is PCI compliant, and includes end-to-end encryption. Tap to Pay on iPhone uses the built-in features of iPhone to keep your data private and secure. Apple does not store card numbers on the device or on Apple servers when a payment is processed.