Give your merchants the freedom to **get paid pretty much anywhere**

Tap to Phone lets merchants accept secure, contactless card payments on a smartphone or tablet they already own.

*Wherever they have cell service or Wi-Fi

One capability, three ways to drive payments revenue

Payments is a line of business, not a feature. Every in-person payment your merchants can't take is a lost opportunity for that business. Terminals cost you adoption, portability, and control. Card-not-present rates erode your margin. Cash and checks never even show up in your volume.

A terminal is a gray box that keeps your merchants locked in one place. A smartphone or tablet is whatever you build on it.

Eliminate hardware friction

Terminals mean shipping, setup, network troubleshooting, support tickets, and warranty swaps. Tap to Phone works the moment a merchant is onboarded. No box in the mail. No cables. No Friday afternoon tech anxiety.

Build a custom experience, not a splash screen

A terminal is a locked box. Maybe you can brand the startup screen. With Rainforest SDKs, you own the entire payment experience. Branding, checkout flow, tipping are all built to augment your product, not a hardware vendor’s idea of one.

Merchants get paid anywhere they can read an email

A terminal is bolted to the reception desk. Tap to Phone goes wherever the merchant goes. The driveway. The treatment room. The sideline. The rental unit. No Wi-Fi? No problem. It also runs on the cell connection the phone or tablet already has.

A tapped card means more margin for your platform

Get card-present interchange rates

When a customer pays online or a merchant keys in a card number, fraud risk increases and you pay higher card-not-present rates. Tapped cards qualify for card-present rates. This means lower interchange, less risk exposure, and more margin for your platform.

Stop leaking volume to offline cash and checks

Merchants get paid now and you keep volume on the platform

When card payments aren’t an option, some transactions fall back to offline cash or checks. Give merchants a way to accept cards on the spot, and this volume moves to your platform. Fast settlement and easy reconciliation for your merchants. More volume and revenue for your platform.

Build it into your own app or go live now with Mobile Pay app

Two ways to offer Tap to Phone, depending on how much you want to build

Your app + Rainforest’s SDK

Fully customizable and embedded in your own mobile app

Pre-built mobile app

A ready-to-use app your merchants download to accept payments. No need to build your own app. Just a few lines of code to connect it to your platform.

Low-code solution with fastest time-to-value

Your platform earns more.

Your merchants get paid faster.

For your platform

Higher attach/adoption rates, more margin, fewer headaches

More volume: Eliminating hardware friction boosts attach and adoption rates. Portable card acceptance replaces cash and checks.

Higher margins: Card-present interchange rates run lower than keyed or card not present, so more basis points stay with you.

Fewer support tickets: No internet failures, missing cables, device troubleshooting, or warranty replacements.

Faster activation: Nothing to ship means merchants process sooner. Faster time-to-value.

Offer a custom checkout. Tipping, round-up for donations, branded flow, and full control over the look and feel with your own mobile app and our SDK.

For your merchants

Faster payments, wherever the work happens

Start accepting payments right away: Start taking payments right away. No hardware to wait on, no complicated device setup.

Get paid on the spot: Finish the job or close the deal and take the card before leaving the driveway. No awkward phone calls to collect overdue invoices.

Offer a premium customer experience: Don’t make customers hike out to the reception desk, bring the checkout to them.

Zero equipment cost: Use the phones and tablets they already own. Buy dedicated devices off the shelf only if they want to.

Fully portable: Accept payments anywhere with cell service, not just where there's Wi-Fi.

One tap. Infinite places to use it.

Here are a few of the places Tap to Phone can be used.

Low-volume services

Accept payment in the auto repair waiting room or out at the car, not just at the counter. Acceptance right where the customer is.

Food trucks and farm markets

Take cards at the window or the stall, wherever you park or set up. Customers can buy even if they don’t carry cash.

Low-volume retail & rental

Show the self-storage unit, then get the lease signed and collect payment on the spot instead of trekking back to the front desk.

Faith-based & nonprofit

Provide volunteers with the ability to accept donations on their own phones, at events, drives, and bookstores. Fewer cash and checks to reconcile.

Traditional healthcare & veterinary clinics

Let patients pay at check-in on the same device the front desk already uses. Less desk congestion, faster room turnover.

Concierge healthcare & mobile veterinary

Collect payment in the home or at the bedside. A premium experience, wherever care happens.

Medspa, wellness & beauty

Offer a luxury checkout experience right in the treatment room. Tipping, easy upsells, and control over the look and feel.

Youth & field sports

Enjoy easy portability for fees, registrations, and concessions, with a far better people-to-device ratio than handing out terminals.

Field & home services

Get paid before you leave the driveway. Card-present rates, no outstanding invoices to chase, cash and checks converted to card on the spot.

Same Rainforest. One more payment method.

Tap to Phone uses the same infrastructure as all our other payment methods including card not present, traditional terminals, PayPal, digital wallets, and ACH. This means:

One API: Tap to Phone extends the surface area of your current integration. Everything you built around other payment methods will work the same way for Tap to Phone

Streamlined onboarding: Merchants onboard once, right in your app, to unlock all payment methods. No printed or pdf applications. No separate process.

Unified reporting: Every payment, across every payment method, in a single view. Searchable and filterable by payment properties and your own custom metadata.

Every payment in context: Your metadata ties every payment to a customer, job, location, invoice, and/or any other property that matters to your merchants.

Real-time data: Payment status and details, accurate and updated in real-time, available via API to power your workflows.

Easy reconciliation: Each merchant gets a single daily deposit with a report itemizing every payment and fee, accurate to the penny.

Modern checkout for end customers. Portable card-present payments for merchants. More volume for your platform.

Learn more about Rainforest’s embedded payments solution.

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Give your merchants the freedom to get paid pretty much anywhere