How to Accept Contactless Card Payments on Your Smartphone

No EFTPOS machine? No problem. All you need is your iPhone and Zeller App. Welcome to the future, where transactions can be made instantly, contactlessly, securely, and now without any additional hardware. Whether you’re a sole trader or a fast-paced business looking for a flexible back-up solution, Tap to Pay on iPhone , which is now enabled in your Zeller App, lets customers pay you easily on your iPhone. To learn more about how to enable Tap to Pay on iPhone click here. Powered by Zeller’s industry-leading smartphone app , this new solution to accept contactless payments includes all the Zeller functionality you know and love, including tipping, surcharging, transaction notes, digital receipts, sales tracking and more. With a straightforward set-up process and one low, flat transaction fee for all cards, Tap to Pay on iPhone and Zeller App does away with complex paperwork, branch visits and fee schedules, instead affording you the ability to take payments quickly and simply. Read on to discover everything you need to know about this cutting-edge tool and how you can get up and running in a matter of minutes. Not an iPhone user? Learn about Tap to Pay on Android here. What is it? Tap to Pay on iPhone is a payments feature, now available on the Zeller App , that lets you accept contactless payments on your iPhone, without the need to invest in an EFTPOS terminal. Customers can simply tap their credit or debit card, Apple Pay, or digital wallet to your iPhone, and/or enter their card PIN number, just like they would do on a regular EFTPOS machine . In this case, the transaction is accepted using EMV Contactless technology. How does it work? Once you’ve signed up online for your free Zeller Account, downloaded the Zeller App to your iPhone, and set up Tap to Pay on your device (see below) accepting contactless payments is a breeze. Simply tap on ‘Tap to Pay’ in the sidebar, key in an amount, present your iPhone to your customer who can pay using a physical card or digital wallet, and wait for the transaction to be approved. It’s as simple as that. Do all iPhones have Tap to Pay? Currently, the feature is available to all users with an iPhone XS or later, using iOS 16.4 or later. It’s important to note that in order to use Tap to Pay on iPhone, users must be signed in to their iPhone with an Apple ID. How much does it cost? Zeller charges one low, flat fee of 1.4% per transaction, for all card types — including American Express. However, businesses have the option of passing on this fee to their customers through surcharging . Businesses can choose to toggle surcharging on or off via the Zeller App or Dashboard. Who is it designed for? Tap to Pay on iPhone and Zeller App is a flexible solution that can be used by all types of businesses, but is especially suited to those whose payment processing requirements don’t justify a full-scale fleet of EFTPOS terminals or advanced features such as Integrated EFTPOS , Pay at Table or printed receipts. What solution you choose will largely depend on your volume of customers and your specific business needs. If you run a busy bar, having a hard-wearing EFTPOS machine on the counter is naturally a better choice. However, for sole traders on the move or smaller businesses such as market stalls, boutiques or clinics with a need for only one or two payment terminals, Tap to Pay on iPhone and Zeller App is an ideal solution. Regardless of your business size, having the Tap to Pay on iPhone feature set up can give you peace of mind, knowing that you’ve got a quick and easy backup option if you ever need one. What about receipts, refunds, and tipping? Tap to Pay on iPhone with Zeller App does not compromise on functionality. Digital receipts can be sent to your customers via text or email; the tipping option can be toggled on, which automatically presents your customers with the option to leave a tip; and users will be able to process refunds directly from Zeller App. What’s more, transactions can be assigned to a contact and notes can be left, making reconciliation a breeze later on. What cards are accepted? Tap to Pay on iPhone and Zeller App accepts contactless payments for all major cards including Mastercard, Visa, American Express, Apple Pay, and a range of other digital wallets including Samsung Pay and Google Pay. Is Tap to Pay safe? Tap to Pay on iPhone uses the built-in features of iPhone to help keep your business and customer data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers so combined with Zeller’s industry-leading security, you can rest assured knowing your business and customer data is protected. Is Tap to Pay available on Android? Yes it is! Click here to learn how Tap to Pay works on Android . Get started. If you’re not yet using Zeller, you will need to create your free account first . This can be done on a desktop or mobile device in a few minutes. Then, simply download the Zeller App. If you already have a Zeller Account , log in to the Zeller App. Once on the app, follow the prompts to begin your set up and start taking payments in minutes.

Mobile wallets are quickly gaining traction in Australia — but do you understand how the technology actually works? These days, Australians are using their mobile phones to make money, save money and invest money. You’re probably familiar with how apps like eBay, Gumtree, and Raiz work, and comfortable using at least a couple of them. But what about the technology that lets your customers spend money at your business using their mobile phones? Many of the major tech players have built their own mobile wallets that allow for contactless payment, such as Apple Pay, Google Pay, and Samsung Pay. These mobile wallets make it possible for a customer to pay for goods or services through their phone, smartwatch, or other device, no physical contact required. It’s a convenient, quick, and sanitary way to take payment. Take a peek inside your customers’ wallets A mobile wallet  gives your customers the ability to pay via a trusted device. Also known as digital wallets or eWallets, mobile wallets are a driving force behind the “cashless” fintech trend . There are a couple of key players you should know about. What is Apple Pay? Apple Pay is Apple’s own mobile wallet. The Apple Pay mobile wallet works on Apple devices, including the iPhone, iPad, Apple Watch and Mac. When Apple Pay launched back in 2014, it was described as “ revolutionary ”; Apple Pay promised (and delivered) a secure, simple way to pay via a mobile device. What is Google Pay? Google’s mobile wallet, developed shortly after Apple Pay, works on most Android phones. Google Pay was originally known as Android Pay, and is almost an identical offering to its Apple counterpart. What is Samsung Pay? Samsung eventually caught up with the pack in 2016, when it released its own mobile wallet: Samsung Pay. As a relatively recent newcomer, Samsung Pay isn’t available in as many countries as Apple Pay or Google Pay. However, it is supported in Australia. There are a number of other mobile wallets available on the App Store and Google Play Store, including Fitbit Pay and Garmin Pay which work on wearable devices (i.e. smart watches). While there are some minor differences between mobile wallets, the main purpose remains the same: to allow a customer pay contactlessly. It’s all possible thanks to Near Field Communication (NFC) technology, and if you’re going to accept contactless payments in your business, you should really know how it all works. What is “contactless payment”? Contactless payment is exactly what it sounds like: a way of paying without human contact. It’s often described as “tap-and-go” payment. To pay contactlessly, a customer taps their card or trusted device to an EFTPOS terminal. The EFTPOS terminal then reads the credit or debit card information and charges the customer’s account. Australians use contactless payment more often than any other country in the world; four in five pay contactlessly at least once a week. In fact, Australians are so used to being able to pay contactless that when a business doesn’t accept contactless payments, one third feel inconvenienced (and some will even avoid those businesses altogether). There are a number of benefits for both the paying customer and the business accepting payment contactlessly. Transactions are faster This innovative payment method makes in-store transactions even faster, because customers can simply tap their device instead of inserting it. That means a quicker customer turnover, positioning merchants to make more money in a shorter period of time, and a better customer experience. The technology behind contactless payments also makes the transaction fast from a technical perspective. We’ll dive deeper into this in just a moment. Customer information is less visible Contactless payment is also designed to be safer than traditional payment methods, as a customer’s physical card is never handed over to the person taking payment. Tapping a card only takes a second or two, meaning the card number is much less visible to strangers. When accepting contactless payment through a mobile device, the card number isn’t visible at all. A customer simply has to tap their device to the EFTPOS terminal. Mobile wallets are more secure There’s an extra element of security protecting payments through mobile wallets: tokenization. This is the technology that keeps a customer's bank details safe in their mobile wallet. Put simply, tokenization is the process of replacing sensitive card data with a series of randomly generated numbers: a “token”. Even if a fraudster managed to get around the protective measures already in place on a mobile device (such as a fingerprint scanner, password or facial recognition technology), they would not be able to access card data. Want more details? Here’s how it usually works: A customer takes a picture of their credit or debit card, and loads it into their mobile wallet. Their mobile wallet provider sends the details to the card’s issuing bank or network, where the details are then replaced with a random token. This token is then sent back to the mobile wallet provider, and from there the token is programmed into the mobile wallet – effectively rendering the mobile wallet useless to fraudsters. Contactless payments are safer On top of being faster and safer, accepting payments contactlessly is a more sanitary option. The COVID-19 pandemic has made many people realise just how often they come into close contact with strangers every day, and passing money back and forth is one of the ways they do that. The average banknote lasts about eight years before it deteriorates and becomes unfit for use — consider how many hands may touch a banknote throughout its lifespan. By using contactless payment options, customers can pay for your products or services without direct contact, keeping themselves and your business safe. Now you know the benefits of contactless payment, it’s important to explain how NFC technology makes it possible. What is NFC technology, and how does it work? Do you have your Alexa or Google device connected to your smartphone via Bluetooth, or your computer connected to your printer wirelessly over Wi-Fi? These devices recognise each other, and communicate over radio waves. NFC technology works in a similar way. When a customer makes a purchase using NFC technology, their card or device transmits account information via radio waves to the payment processor. Once received, the processor uses the information to complete the transaction. You may be wondering how the payment processor is able to charge the customer’s card without ever physically touching it. The answer is in the name of the technology: “near field.” The device transmitting payment information (i.e. the customer’s card or mobile device) has to be within a few centimetres of the device on the receiving end (i.e. your EFTPOS terminal). It’s this requirement for close proximity that makes contactless payments a secure option. If the transaction could be completed from further away, that could lead to the payment processor charging the wrong customer’s card. An advantage of NFC technology is that it processes payments incredibly quickly. The payment processor has inductive coupling capabilities, which means it can automatically recognise an appropriate device without a manual connection. When a customer pays for something with NFC technology, it takes a few seconds or less — allowing for a frictionless, speedy exchange. Accept payments the way your customers expect Now that you understand how NFC technology works, you can feel more comfortable accepting contactless payments from your customers. At Zeller, we're reimagining business banking. Our next-gen EFTPOS Terminal accepts tapped, dipped, and swiped payments, as well as mobile wallets, so you can accept payment however it is most convenient for your customer.

A simple solution for taking card payments instantly with no hardware required. So you need a way to charge your customers, but you don’t have time for invoicing, in-person payments aren’t possible, and setting up a payment gateway is too costly. What’s the solution? Meet Zeller Virtual Terminal . A secure, convenient and cost-effective way to process payments either by accepting your customer’s card details over the phone, or by sending them a payment link. This new feature is the latest addition to Zeller’s robust suite of payment solutions and gives businesses even more flexibility to tailor payments to their needs. Read on to discover what a virtual terminal is, who it’s designed for and how to use it with Zeller. What is a virtual terminal? A virtual terminal does the job of an EFTPOS machine , virtually. It is a web-based tool that allows you to process payments made over the phone (as well as mail order, fax, or email) by manually entering a customer’s card details into the browser of a computer or mobile device. In the case of Zeller Virtual Terminal, merchants can also send customers a secure payment link where they can enter their card details themselves. It therefore enables businesses to transform their desktop, laptop, smartphone or tablet into a payment system, without the need to purchase a physical EFTPOS machine. Why use a virtual terminal? A virtual terminal is a highly useful solution for situations where card-not-present payments need to be made instantly, or for businesses looking for a cost-effective way to accept payments electronically. The beauty of this solution is that all you need is your own device and a browser – no other hardware is required. What’s more, unlike an EFTPOS machine or payment gateway that will incur an upfront cost or monthly fees, a virtual terminal is a very cost-effective way to take payments, where only a small per-transaction fee will be charged. Plus, if you’d like to reduce your costs to zero, Zeller gives you the option of passing on the transaction fee to your customer through surcharging . Whether your business is still in its infancy and you aren’t ready to invest in a long-term solution, whether you need need a backup option to be able to take payments when your EFTPOS machine is in use, or whether you just want to save on costs: there are a number of reasons why a virtual terminal is a great solution. Which types of businesses use virtual terminals? New businesses Businesses just getting off the ground may not yet have the capital or the volume of customers to justify buying an EFTPOS terminal or investing in a payment gateway. A virtual terminal is a great interim solution that helps you build your revenue without the costly outlay. Food venues offering phone orders or taking event bookings At busy restaurants or cafes where customers can place orders or paid reservations over the phone, typing customer details into an EFTPOS machine isn’t always practical. Having a virtual terminal means that the EFTPOS machine can be freed up for in-person purchases, while another staff member can manage the phone payments via their preferred device. Freelancers, consultants or professional service providers While invoicing is a common payment method used by the likes of accountants, bookkeepers, graphic designers, or architects, it doesn’t have to be the only option. Giving customers another, immediate way to pay with virtual terminals means clients can settle up instantly, doing away with administrative and cash flow hassles caused by late payments. Mobile businesses For businesses that move from one location to another, a virtual terminal is a great alternative to having to carry around a physical EFTPOS machine. Gardeners, mobile pet groomers, event caterers or repair technicians can simply send their customers an SMS or payment link that can be settled up on the spot. Retailers or wholesalers Companies offering wholesale or custom orders may require immediate payment for their goods, but are unlikely to have a shopfront where they can take an in-person payment. A virtual terminal lets them accept payment remotely so they can ship the items quickly. Social media influencers With a virtual terminal, influencers communicating with their clients through social media channels don’t need to take their work onto a different platform. Instead they can simply copy a payment link and share it via direct message on Instagram or TikTok. How does Zeller Virtual Terminal work? Accessed from Zeller Dashboard, anyone who has a free Zeller Account will have access to the feature. Before getting started, you’ll need to enable Virtual Terminal from Site Settings on your Dashboard. Each transaction will incur a 1.75% + 25 c fee, which can be passed onto the customer through surcharging. Manually accepting a payment Once logged in, simply click on ‘Virtual Terminal’ on the left hand side panel, and start entering in the relevant details. If you have multiple business locations, these will be listed under ‘Site’. Select the Site you wish to take the payment for, enter the value, select the contact you wish to charge or create a new contact, add any notes about the transaction then click, ‘Continue to Payment’. Fill in your customer’s card details then click ‘Pay’. Once the payment has been processed, you will have the option of sending your customer a digital receipt via email or SMS. Sending a payment link If you would prefer to send your customer a link to enter their card details themselves, from Zeller Virtual Terminal, click ‘Send Payment Link via Email’ or ‘Send Payment Link via SMS’. Enter the mobile number or email address of the customer and click ‘Send Link’. Alternatively you can click ‘Copy Link’ and share the link with your customers in a direct message on social media or via Whatsapp or iMessage for example. The link is secure and will direct customers to a page where they can enter their card details and proceed with the payment. Once the payment has been processed, customers will have the option to download a copy of the receipt. Surcharging Zeller Virtual Terminal gives merchants the option to fully or partially pass on the transaction fee (1.75% + 25c) to customers through surcharging . To enable or manage this function, go to Sites and toggle surcharging off or on. When toggled on, you will be given the option of nominating a percentage of the fee to surcharge. Connecting payments to contacts When you use Zeller Virtual Terminal , Zeller Invoices , or Zeller EFTPOS Terminal , each transaction processed can be assigned to a singular contact to help you track unpaid balances, view payment history and manage relationships with your customers. If you take payments through a combination of Zeller’s payment methods, the Zeller Contact Directory allows you to select a contact and see any previous transactions or outstanding payments across all payment methods. So, whether you choose to use Virtual Terminal alone, or in combination with EFTPOS and Invoices, contact linking ensures your records are always simple to manage and up to date. At Zeller, we understand that all businesses are different. That’s why we’re dedicated to bringing you tailored solutions to help manage your finances. 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