Use Tap to Pay

Tap to Pay is a secure payment service that lets your customers pay you on the spot. You can accept in-person contactless payments on your phone instead of using an EFTPOS machine or card reader. Customers can pay by tapping a credit or debit card and any device that stores digital cards, like a phone or smart watch. You can accept payment from VISA, MasterCard, Apple Pay, Google Pay^TM, and for iPhone, EFTPOS.

Payments go into your nominated bank account, minus fees and charges, which are passed to your customer unless you turn off surcharging. The invoice automatically shows as paid.

There’s no need to manually enter or reconcile payments – the app does it all for you. Getting paid has never been easier!

Looking after your security with Tap to Pay

Tap to Pay helps keep your business and customer data private and secure. Card numbers and other sensitive data aren't stored in the app or by MYOB, and payments are encrypted for extra security.

When you take a payment with Tap to Pay, it uses near field communication (NFC) technology to allow your phone to talk to the credit card, debit card or digital wallet that the customer is using to pay. This is the same technology and security that’s used when you tap an EFTPOS machine or card reader.

Payments are automated

When you set up Tap to Pay, you set a Payment category and Fee category. These are categories in your app that take care of the accounting side of your payments and fees.

When a payment is made, the required transactions are automatically recorded in the app using these categories. The money goes into your bank account within 2 business days.

Set up Tap to Pay

To set up Tap to Pay, you’ll first need to apply for it. It takes less than 15 minutes, and you can speed things up by having the following details handy:

• Australian Business Number (ABN)

• Business trading and sales details

• Proof of identity – driver's licence or passport

• Bank details for the account into which your customer payments (minus fees) will be deposited

• Estimates of total annual sales in dollars and number of invoices per month.

To apply tap More, tap Invoice settings, tap Payment settings, tap Take payments with a tap on your phone and follow the prompts.

Can't see the option to set up Tap to Pay from Payment settings? You might need to update your phone to the latest software to get Tap to Pay to work. Generally, Tap to Pay will work on your phone if you’ve updated to the latest software.

When you’re prompted to allow the app to use location services, allow it, so you can start taking payments.

We’ll email you when your application has been approved – this can take a few days. The app will prompt you to finish the setup.

You can then start taking payments using the take payment button in your invoices. Or if you haven't created an invoice, just tap + in Money in and Take payment now.

Take a payment with Tap to Pay

You can use Tap to Pay to take a payment on a sale at any time:

• On an invoice you’ve already created – open the invoice and tap Take payment now.

• When you’re creating a new invoice – in Money in, tap + then Create invoice, fill in the invoice details, tap the three dots (…) and tap Take payment with Tap to Pay.

• When there is no invoice – in Money in, tap +, choose Take payment now and fill in the payment details. An invoice is automatically created when you take payment.

You can accept payment from VISA, MasterCard, Apple Pay, Google Pay^TM, and for iPhone, EFTPOS.

Keeping your phone secure when customers enter their PIN

Transactions over $100 can require customers to enter their PIN. After the customer taps their card, Tap to Pay on iPhone prompts the customer to enter their PIN using Apple's secure PIN entry interface. 

You can turn on the Tap to Pay Screen Lock setting for your payment app to lock your device screen during PIN entry. After the customer completes or cancels their PIN entry, unlock the device to continue the transaction. 

On your iPhone, go to Settings > Solo, then turn on Tap to Pay on iPhone Screen Lock.

Where customers need to tap

Where a customer needs to tap depends on your phone. If you’re using an: 

• iPhone — tap at the top of your phone

  

• Android phone — tap behind your phone.

  

After the customer has paid, you can email them a receipt. The invoice will show as paid. 

How Tap to Pay refunds work

When you refund a customer, you’ll refund the total amount of the sale. If they paid using Tap to Pay, the refund will be the amount they paid when they tapped. We’ll debit the amount from your settlement bank account and credit it back to their account. This will include any amount you’ve surcharged. The money can take up to 10 days for your customer to see in their account.

If your customer pays with Tap to Pay and another payment method, you can only refund them the same way they paid you. For example, if they paid you half their invoice in cash and half using Tap to Pay, you will need to return half the same amount in cash and refund the other half in the app.

Refund a Tap to Pay transaction

When you refund a Tap to Pay transaction, we’ll send the money back into the account the customer paid from. Here’s how you refund it: 

1. Go to Money in. 

2. Tap the invoice. 

3. Tap More and Record refund. 

4. Choose the payment category. 

5. Follow the prompts. We’ll send the money back into the account the customer paid with.

Cancel registration to Tap to Pay

If you want to cancel your registration to Tap to Pay, you’ll need our help. In the app, go to More > Digital assistant and ask for help.

FAQs