Payments acceptance

The Application can only be used for contactless payments. Payment cards that support contactless payments have an icon

Never the less, for some devices, an Acquiring Service Provider can allow payment acceptance by manually entering the card number (PAN). For more information, see here.

Preparing to accept payments

Before you start to accept payments, make sure that:

• the Internet enabled

• the NFC module has been enabled and configured to read cards

• the device is in the safe mode for the Application

Trusted Device Criteria

Amount Entering

On the Amount entry screen, type in the required payment amount and confirm it by clicking the PAY button

Before to accept payments, we recommend to find out and learn current limits on:

• the amount of a one-time payment

• the amount of payment when the Application requests the PIN from a cardholder

• daily amount of payments

You can get this information from your Acquiring Service Provider.

Payment card tapping

When you see on the screen the request to tap a card, ask a customer to tap a ​ 💳 card or a ​ 📱 mobile device on which the payment application is installed to your ​ 📱 device, to the location of the NFC module.

A card must be tapped after the first color indicator lights up on the screen (the color of the indicators may differ depending on the corporate style of your 🏦 Acquiring Service Provider).

Before a card tapping, make sure that payment card is contactless and belongs to payment systems supported by your payment terminal.

You can check this by matching the payment systems displayed on the Application’s screen (for example ) with the logo on your customer's payment card.

For better card reading, you should bring it as close to the location of the NFC module on the device as possible and hold it until it is read in full. Possible locations of the NFC module can be found below.

The result of the complete reading of a card is confirmed by lighting up of four color indicators

and displaying the message about the successful transaction (the indicators’ color may differ depending on the corporate style of your 🏦 Acquiring Service Provider). In the new version of the Application, it is additionally accompanied by a single sound signal and a single vibration of the device.

After that, the card can be removed from the device.

Where to bring the payment card

Below there are examples of some possible locations of an NFC module. But only you can find out the exact location of it on your device. For example, read the specific section in the user guide to your device that describes operations with the NFC.

For such 💪 practice when finding the NFC module location, you can:

• take an expired card and try to complete several Payments by entering the minimum amount allowed,

• if you have no such card, you can use a valid card, and try to accept Payments with the minimum amount allowed and then (in case the payments have been successful) you can cancel transaction.

All NFC modules are mainly located on the back of devices.

The possible locations of the NFC module are shown in the figure below:

The location of the NFC module for Samsung mobile devices can be found here.

🆘Unsuccessful Card Reading

In case when the payment card reading failed, you will receive a corresponding information message, which may contain the following codes: 1926, 1929, 1943, 1976

The main reasons why the payment card is not successfully read in may be the following:

Reason	Recommended actions
NFC module is not activated	Go to the settings of your device and enable the NFC function. If you have a choice between paying with "sim" or "e-wallet" when activating the function, then you should choose "e-wallet"
Application has no permissions for NFC	Open the system menu, in the section with the applications list find the tapXphone application and make sure that in the Application permissions the access to NFC is allowed
The card is not brought to the NFC module location	Find the location of the NFC module in your device where the strongest antenna signal for reading cards is detected
The payment card was removed too early	Ask your client to bring the card and do not remove it until the result of a successful reading of the card is displayed on the screen. For more details see here
The client’s card has very low signal in process of contactless payments	As experience has shown, very often some cards have a weak signal of the internal antenna. In such a situation, you can try to tap the card with the other side, while maintaining the minimal distance between the microchip and the NFC module. If the card cannot be read in, suggest that the customer use another one
Payment card that is used does not have a contactless interface	Check the presence of the icon on the payment card
Payment card of an unsupported payment system is used	Make sure that the payment card belongs to a payment system that is supported by your payment terminal.
The NFC module does not work	Install a third-party application that can be used to read regular NFC tags. Run it and try to read the NFC tag/any contactless card (but not card of your client).
There are objects that block the signal between the device and the payment card	Remove items that may affect the processing of the payment card. For example, the device case.

Any repeated attempt to use the payment card must begin with removing it from the field of action of the NFC module of your device and re-bringing it to it.

PIN entering

The Application may ask the customer to enter PIN code if the payment amount exceeds the limit for no-PIN transactions set by your Acquiring Service Provider. This is a prerequisite for verifying the cardholder in order to confirm the transaction.

When the PIN entry screen appears, allow your customer to enter PIN on your device.

Pay attention of your customer to the fact that in order to safely enter the PIN code a virtual keyboard is used in which the buttons are arranged in random order and have different sizes.

If the customer refuses to enter the PIN code, click the Cancel button or the icon . In this case, the purchase cannot be considered complete.

Client verification via signature request

Instead of entering the PIN code for the cards of some payment systems, for example , after the card tapping, the application may request the client's signature on the device screen if the payment amount exceeds the limit set by your Acquiring Service Provider. This is a prerequisite for verifying the cardholder to confirm the transaction. If a screen for requesting a signature appears, provide an opportunity for your client to specify it on the screen of your device.

If the client refuses to sign, then click the Cancel button or the icon . In this case, the purchase cannot be considered complete.

Payment Result

Upon successful processing of the transaction and confirmation of the completed payment by your Acquiring Service Provider, the Application will offer you to use the function of sending/displaying the receipt to your customer.

The Application's receipt is not a fiscal receipt.

If the customer does not need the receipt, you can start a new transaction by clicking the New Purchase button.