Tap to Pay on Android

From tap to reconciled, inside your product

Give your users a way to accept card payments anywhere, directly from their smartphone. No terminal, no extra setup. Automatically reconciled in their Swan account.

Hand holding black Mastercard card and another hand holding phone showing contactless payment of 50 euros.

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Results

Let merchants turn their smartphones into a card terminal

Centralise all incoming payments into your users’ Swan account and become
their Primary Bank Account.

All payment methods, one account

Tap to Pay completes your payment offering. Your users accept contactless card payments from physical cards, Apple Pay, or Google Pay, directly from their smartphone. Everything is centralised in their Swan account.

Accounting transactions list showing reconciled status, names, dates, amounts, and approval checkmark for €50.

Reach the customers your competitors can't

Independents and small businesses are actively looking for integrated payment solutions. With Tap to Pay on Android, offer your users a payment experience built for their reality: over-the-counter or on-the-go, and always connected to their account.

Phone screen showing contactless payment prompt with a credit card behind it and a total of €50.00.

Built in, not bolted on

Integrate Tap to Pay using iOS SDKs with minimal engineering effort. No re-onboarding for your users. No separate provider. Just consistent APIs you already know, and a Swan team dedicated to your launch.

Illustration of stacked translucent cards with ascending bar charts on a beige background.

User experience

Single device, simple setup and seamless experience for your users

Mobile app screen with tap to pay toggle and icons for payment and approval.

In your App.
Activation in minutes.

No device to configure, no separate app to download. Your users are ready to accept payments the same day.
Icons for contactless payment, link, and global with connected payment amounts in euros.

Every payment.
One account.

In-person card payments sit alongside online payments and payment links in a single Swan account.
Calendar with euro symbol and bank icon linked to a transactions list on the right.

Paid today.
Settled tomorrow.

Optimiere die Liquidität mit vernetzten Daten aus den Bereichen Finanz, Risikomanagement, Zahlungen und Betriebskapital.

How it works

Accept payments via a simple, slick terminal app, in just a few taps

It starts with a number.

Your user opens your app, enters the amount to collect, and creates the payment request in seconds, no configuration needed.

    Mobile screen showing a payment app with an entered amount of €50.00 and number keypad.

    A tap is all it takes.

    The customer taps their contactless card, Apple Pay, or Google Pay. No terminal. No cable. No wait.

      Smartphone screen shows contactless payment prompt with €50 total and card logos.

      Secure when it matters.

      For higher-value transactions, the app automatically prompts for PIN entry — fully compliant, fully seamless.

        Smartphone screen showing a PIN entry keypad with numbers 0-9, a 50 euro amount, and action buttons.

        The transaction appears instantly in your user's Swan account with D+1 settlement — matched to their invoices automatically via the Merchant Payments API.

          Smartphone screen showing a payments list with Visa and Mastercard transactions totaling €245.50.

          Customers you can address

          For businesses that get paid on the spot

          Person holds phone showing a €50 payment screen while another taps a black card for contactless payment.

          Small Businesses

          Hair and beauty salons, local bakery, food truck, coffee shops…

          Health Professionals

          Paramedicals, physiotherapist, speech therapist, psychologists…
          Person paying with contactless card while another holds phone showing a €45 payment near colorful bouquet.

          Independent services providers

          Freelance plumber, artisan, independent driver, personal trainer…

          Payment methods

          Progressively complete your Accept Payments suite

          Online Cards & Payment link

          Accept card payments online or send instant, shareable payment links.

          SEPA Direct Debit

          Collect recurring or one-off payments from any account across the SEPA zone.

          Internal Direct Debit

          Streamline payment collection between Swan accounts instantly.

          Local Payment Methods

          Coming soon — Support regional payment preferences and habits across Europe.

          POS & Terminals

          Coming soon — Extend in-person acceptance to full POS hardware for higher-volume merchants.

          French Checks

          Accept traditional check payments with full digital traceability.

          FAQ

          Es ist in Ordnung, Fragen zu haben

          01
          Do my users need to go through a new KYC process?

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          What cards and wallets are supported?

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          How quickly do my users receive their funds?

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          What does integration look like on my side?

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          Is there a risk of fraud? How is it managed?

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          06
          Is Tap to Pay available on iPhone too?

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          Ready to complete your payment offering?

          Join the partners already giving their users the freedom to accept payments anywhere — no terminal, no friction, fully reconciled. Let's build it together.