# Tap to Pay > Take contactless cards on your iPhone with no reader. Turn on Tap to Pay for your business, activate it on each iPhone and take a payment. Source: https://heylilo.co/help/payments/tap-to-pay Tap to Pay turns your iPhone into a card reader. Clients tap a contactless card, Apple Pay or another mobile wallet on your phone, with no other hardware. It's only in the [Lilo app](https://heylilo.co/help/getting-started/lilo-on-your-phone). ## What you need - Card payments active for your business. The owner or an admin sets them up in **Settings** → **Payments** (see [Connect payments and get paid out](https://heylilo.co/help/payments/connect-payments)). - An iPhone XS or later, with iOS 16.4 or later. - The account owner turns on Tap to Pay for your business, once. - You activate it on your own iPhone, once. ## Turn on Tap to Pay for your business **Applies to:** Owners As the account owner, you accept Apple's terms for your business. You only do this once, on your iPhone or on the web. On your iPhone: 1. In the Lilo app, go to **More** → **Business Settings** → **Tap to Pay**. 2. Tap **Enable Tap to Pay**. 3. When Apple asks, sign in with your Apple ID and accept Apple's terms. 4. Keep the app open while Apple sets up Tap to Pay. The app then shows how to take a tap, and you'll see **Tap to Pay is ready**. This also activates your iPhone. On the web: 1. Go to [**Settings** → **Payments**](https://app.heylilo.co/dashboard/settings?tab=payments). 2. Under **Apple Tap to Pay Terms**, select **Accept Apple Terms**. Apple's page opens in a new tab. 3. Sign in to Apple, accept the terms, and come back to Lilo. 4. When Lilo asks **Did you accept Apple's Tap to Pay Terms?**, select **Yes, mark accepted**. You'll see **Accepted** and the date. Lilo can't see Apple's page, so only select **Yes, mark accepted** after you've accepted. ## Activate Tap to Pay on your iPhone Everyone who takes payments activates Tap to Pay once on each iPhone they use. Do it after the owner turns it on. 1. In the Lilo app, go to **More** → **Business Settings** → **Tap to Pay**. 2. Tap **Activate Tap to Pay**. 3. When Apple asks, sign in with your Apple ID. 4. Keep the app open until you see **Tap to Pay is ready**. After the owner turns it on, the app shows you **Tap to Pay is now available** once. Tap **Set up on this device** to go straight there. ## Take a payment with Tap to Pay 1. In the Lilo app, open the appointment and tap **Quick Checkout** or **Checkout**. 2. Tap **Charge** at the bottom. If the button names your client's saved card, tap **Use a different payment method** instead. 3. Tap **Tap to Pay on iPhone**. 4. On **Add a Tip**, hand your phone to your client. They choose a tip, or **No tip**, and tap **Continue**. 5. Your client holds their card, phone or watch flat against the back of your iPhone, near the top. They keep it there until the check mark shows. The app skips the tip step if you've already added a tip. It also skips it when there's nothing to tip on, like a sale of only products. See [Tips](https://heylilo.co/help/payments/tips). ## Tap to Pay on Android Tap to Pay also works on Android phones with Android 13 or later and NFC. Your account owner still needs to turn on Tap to Pay for your business first. Android phones don't need activating. To check yours, go to **More** → **Business Settings** → **Tap to Pay**. It says **Tap to Pay is ready** if your phone can use it. At checkout, the button is **Tap to Pay**. The first time you use it, the app asks for location access. Tap **Continue** and allow it. Your client holds their card against the back of your phone, over the NFC area. If the screen says **Tap to Pay isn't available**, it tells you why. When it lists **Try these first**, turn off Developer options, stop any screen recording and install the latest security update. Then restart your phone and tap **Check again**. ## How it works - Tap to Pay payments go to your business's payments account, like every card payment. Stripe pays them out with the rest. - Apple's terms are accepted once for the whole business. Only the account owner can accept them. - Activation is for one person on one iPhone. If you get a new iPhone, activate Tap to Pay on it. - The **Tap to Pay** row shows up in **Business Settings** once your business's card payments are active. - Until the owner turns on Tap to Pay, only the owner sees it at checkout. Tapping it there opens the setup screen. - If you set up payments in the Lilo app, it opens **Tap to Pay** when you finish. That only happens if your card payments are already active. ## Common questions ### Why don't I see Tap to Pay in the app? The **Tap to Pay** row shows up once your business's card payments are active. If they aren't, the owner or an admin sets them up in **Settings** → **Payments**. ### Why does it say Tap to Pay isn't available? Your phone can't use it. You need an iPhone XS or later with iOS 16.4 or later. The screen says what's missing. If it asks you to update iOS, update it in your iPhone's Settings and try again. ### Why does it say Tap to Pay isn't set up yet? Your account owner hasn't turned it on for your business. Ask them to. ### Can an admin turn on Tap to Pay? No. Only the account owner can accept Apple's terms for your business. ### The card won't read. What should I do? Take off any thick phone case. Your client should hold the card flat against the back of your iPhone, near the top, until the check mark shows. ### Can I see how to take a tap again? Yes. On the **Tap to Pay** screen, tap **How it works**, or the question mark at the top. ### Can I use Tap to Pay on the web? No. It only works in the Lilo app. On the web, take cards with a card reader or by entering the card at checkout. ### Do my team members need the owner's Apple ID? No. Each person signs in with their own Apple ID when they activate Tap to Pay on their iPhone.