Tap to Pay

Tap to Pay turns a merchant's iPhone or Android device into a contactless payment terminal. Customers tap a card, Apple Pay, or Google Pay wallet directly on the device screen — no companion hardware, no card reader dongle, and no additional accessories required. VINR implements this through Apple's Tap to Pay on iPhone API and the Android NFC payment APIs, so the cryptographic card data never leaves the platform's secure enclave.

RequirementsAskCopy

Accepted payment typesAskCopy

Both iOS and Android accept the following contactless payment types:

Chip+PIN and magnetic stripe are supported only on dedicated VINR hardware terminals. See Mobile solutions for an overview of hardware options.

iOS integrationAskCopy

dependencies: [
    .package(
        url: "https://github.com/vinr/vinr-ios-sdk.git",
        from: "1.0.0"
    )
],
targets: [
    .target(
        name: "YourApp",
        dependencies: ["VinrSDK"]
    )
]

<key>com.apple.developer.proximity-reader.payment.acceptance</key>
<true/>

import VinrSDK

let vinr = Vinr(secretKey: ProcessInfo.processInfo.environment["VINR_SECRET_KEY"] ?? "")

Task {
    let reader = try await vinr.tapToPay.discoverReader()
    try await reader.connect()
}

let intent = try await vinr.payments.create(
    amount: 2500,
    currency: "USD",
    captureMethod: .automatic
)

let result = try await reader.collectPayment(intentId: intent.id)

switch result.status {
case .succeeded:
    print("Payment succeeded: \(result.paymentId ?? "")")
    await fulfillOrder(result.metadata)
case .requiresCapture:
    try await vinr.payments.capture(id: result.paymentId ?? "")
case .failed:
    print("Payment failed: \(result.errorCode ?? "unknown")")
default:
    break
}

Android integrationAskCopy

Add the VINR Android SDK to your module-level build.gradle:

dependencies {
    implementation("com.vinr:sdk:1.+")
}

Declare NFC permission in AndroidManifest.xml:

<uses-permission android:name="android.permission.NFC" />
<uses-feature android:name="android.hardware.nfc" android:required="true" />

Initialize the client and accept a contactless payment:

import com.vinr.sdk.Vinr
import com.vinr.sdk.tapTopay.TapToPayReader

val vinr = Vinr(secretKey = System.getenv("VINR_SECRET_KEY") ?: "")

lifecycleScope.launch {
    val reader = vinr.tapToPay.discoverReader(context)
    reader.connect()

    val intent = vinr.payments.create(
        amount = 2500,
        currency = "USD",
        captureMethod = "automatic"
    )

    val result = reader.collectPayment(intentId = intent.id)

    when (result.status) {
        "succeeded" -> fulfillOrder(result.paymentId)
        "requires_capture" -> vinr.payments.capture(id = result.paymentId)
        "failed" -> handleFailure(result.errorCode)
    }
}

PCI scopeAskCopy

Tap to Pay on iPhone operates under Apple's certified L2 kernel, which carries an Apple-issued SAQ-A equivalent certification. The VINR Android SDK routes sensitive card data exclusively through the device's NFC controller and VINR's PCI-certified processing backend.

Merchants using Tap to Pay are in the same PCI scope as merchants using VINR-hosted checkout: minimal, with no requirement to handle raw card data. See Compliance overview for the full scope breakdown.

Receipts and refundsAskCopy

VINR automatically sends a digital receipt to the customer's email or phone number if one is associated with their wallet or card. No receipt printer is required.

To refund a Tap to Pay payment, the customer must be present to tap their original card or wallet again. Refunds cannot be issued remotely for card-present transactions; the tap verification confirms the card is still in the customer's possession.

import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const refund = await vinr.refunds.create({
  payment: 'pay_3Nf8x2a',
  reason: 'requested_by_customer',
});

The refund object follows the same status lifecycle (pending → succeeded | failed) as online refunds. See Refunds for full details on partial refunds, fee handling, and failure recovery.

Next stepsAskCopy