Tap to Pay on iPhone

NMI is among the first to bring Tap to Pay technology to market—enabling merchants to accept contactless payments directly on a smartphone or tablet. With Tap to Pay on iPhone and a supported payments app, merchants can securely accept in-person payments from EMV cards, Apple Pay, and other digital wallets—without extra hardware, readers, or terminals.

Built on iPhone’s native security and privacy framework, Tap to Pay ensures sensitive data never leaves the device or Apple’s servers. For developers, the Tap to Pay on iPhone SDK makes it simple to embed Tap to Pay into your own applications, eliminating the overhead of building and certifying a custom solution. The result is a fully certified, embedded payment experience that’s secure, seamless, and easy to enable for your merchants.

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Download SDK 4.0.5 now

1.🔑Enable Tap to Pay in Portals

1. Partner Portal → Enable Tap to Pay.
2. Merchant Portal → Enable Tap to Pay.
3. For testing, go to Settings > Test Mode > Enable Test Mode.
   • All valid cards are approved.
   • No real charges are sent.
   • Use the Test Card Simulator for end-to-end tests.
4. Disable Test Mode before launching live.

2.🛠️Prepare Your Accounts

1. Payment Gateway Account → Register with your partner.
2. Generate Security Key → Merchant Portal > Settings > Security Keys.
   • Must be API source only.
   • Store securely.
3. Application Identifier → Create a unique alphanumeric ID (e.g., MyAppName).
   • Must remain consistent across platforms.
   • Cannot be changed once registered.

3.📦Install the SDK

1. Download the Payment Device SDK .zip for iOS or Android.
   • iOS bundle includes: ChipDnaMobileObjectiveCDemo, ChipDnaMobileSwiftDemo, docs, and binaries.
2. Add the SDK to your app project (Xcode or Android Studio).

4.🍏Meet iOS Prerequisites

1. iOS minimum version: 17.4+.
2. Apple Sandbox Account: Create via App Store Connect → Users & Access > Sandbox.
3. Request Entitlements (Apple Developer Account Holder only):
   • Development Entitlements → for local builds.
   • Publishing Entitlements → before App Store release.
   • Must list NMI as PSP + deployment regions.

5.⚙️Configure Project

1. Capabilities → Add: App Attest, NFC Tag Reading, Tap to Pay on iPhone.
2. Provisioning Profile → Create new, link in Xcode.
3. Entitlements file → Add keys:
   XML

   <key>App Attest Environment</key><string>development</string>
   <key>com.apple.developer.proximity-reader.payment.acceptance</key><true/>
   <key>Near Field Communication Tag Reader Session Formats</key>
   <array><string>Tag-Specific Data Protocol (TAG)</string></array>

✅ You’re now ready to integrate the Tap to Pay on iPhone SDK into your app.

🛠️

Download SDK 4.0.5 now

Navigate through the pages in the developer portal for more details, including visual aids, flow diagrams, and code samples.