How NFC payments work

Customers can make NFC payments by tapping their contactless card or Wallet App (such as Google Pay or Apple Pay*) flat against the upper half of the card reader.

After tapping the card or compatible device onto the reader, you’ll hear a beep and the 4 LEDs will light up, signalling a successful transfer.

Transactions equal to and below the contactless limit don’t usually need to be authorised, but any transaction above this amount will need to be authorised with the customer’s pin. This limit is set by the cardholder's bank and varies from bank to bank and country to country.

Cards that offer a contactless payment option are recognizable by this logo:

What are the fees for contactless transactions?

Contactless transactions are processed in the same way as Chip and PIN transactions. Therefore, the same fees apply. Check out our pricing and fees guide for a full list of transaction costs.

Be aware, in some cases, NFC payments made using debit cards may still be processed as credit payments due to the way they are handled.


*Wallet Apps can only be used with SumUp devices if the card saved in the app is compatible with our services. You can find a list of accepted cards here.