Tap & Chip by JoelsaPOS uses Stripe Tap to Pay so compatible Android devices can accept secure contactless cards and mobile wallets without a separate card reader. It is built for shops, markets, cafés, salons, mobile services, events and independent professionals.
Requires a compatible NFC-enabled Android device (Android 13+ for the current Tap & Chip release), Google Play services and a supported country. When cardholder verification is required, Stripe Tap to Pay can prompt the customer to enter their PIN securely on the Android device. Tap & Chip does not store the customer’s card number or payment PIN.
What it is
Tap & Chip gives merchants a practical way to accept contactless card and wallet payments without carrying a separate card terminal. Enter the amount, ask the customer to tap their card, phone or wearable on the compatible Android device, then issue a receipt after payment.
Use a compatible NFC-enabled Android device as the payment terminal. This is ideal when a merchant works from different locations or wants to avoid extra hardware rental.
Merchants can register a shop, market, event, pop-up, mobile trading location or other business location before taking payments.
Merchant journey
The app is designed to keep the day-to-day payment flow quick and easy.
Download Tap & Chip from Google Play on a compatible Android device. A referral link or code can be used during signup when applicable.
Register with your email and secure PIN, then complete the account information required for your country and payment setup.
Connect or create your Stripe account, complete Stripe verification, register your business payment location and configure payouts.
Enter the amount and ask the customer to tap a contactless card or wallet. If the payment requires PIN verification, the customer enters their PIN securely on the Android device when prompted. Then send or print the receipt after payment succeeds.
App features
Tap & Chip is more than an amount-entry screen. It includes the practical tools merchants need after each payment too.
Take secure in-person contactless payments using a compatible Android phone.
When a contactless transaction requires cardholder verification, the customer can enter their PIN securely on the Android device when Stripe prompts for it.
Enter the amount, start the charge and guide the customer through payment.
Send customers a receipt by email or print it where a printer setup is available.
Review previous payments, receipt details and payment status inside the app.
Review a supported transaction and start a refund from the app when the payment is eligible for refund.
Merchants can view balances, payout status and bank detail requirements where relevant.
Manage payout timing and bank details through the supported Stripe account and payout flow for your region.
The app can use the merchant operating currency based on country and account setup.
Merchants can manage profile details, email verification, address and payout method information.
When Stripe or the service requires additional information, merchants are guided through the relevant verification steps.
Merchants can access help content, support options, FAQs, email support and WhatsApp support where configured.
Important compatibility and security updates can be surfaced so merchants can keep the payment app current.
Pricing & security
Tap & Chip does not require a rented card reader when a compatible Tap to Pay device is used. Transaction pricing varies by country and card type, so merchants should always check the latest published rates.
No separate Tap & Chip card-reader rental is required when using a compatible Android device for Tap to Pay.
At current Stripe UK standard pricing, an EEA card payment using Tap to Pay combines 1.4% + 10p Terminal pricing with a 10p Tap to Pay authorisation fee.
Stripe handles card-present processing and encryption. Tap & Chip does not store raw customer card numbers on the merchant device.
Referral programme
The current referral programme is designed for existing Tap & Chip merchants and other eligible referrers. Under the current programme rules, an eligible referrer can earn 5p from qualifying successful live transactions made by referred merchants while those merchants remain active and the programme terms continue to apply.
To receive automatic referral payouts, a referrer completes Stripe connected account onboarding. Once the referrer account is ready, eligible rewards can be transferred automatically.
The maths
Referral rewards are linked to qualifying merchant activity rather than a direct payment from the merchant to the referrer. Actual rewards depend on eligibility, active referred merchants, transaction volume and the current programme rules.
Reward formula
Example: one referred merchant completes 200 successful live transactions in a month.
These are examples only. Actual earnings depend on how many merchants you refer, whether they remain active, transaction volume, eligibility, refunds, disputes and programme rules.
Who to approach
The best referrals are merchants who already take cash, bank transfer or card payments but want a more flexible way to accept in-person payments on the go.
Market traders, craft sellers, event stalls, pop-up shops and exhibition sellers.
Cafés, food trucks, takeaways, dessert sellers, mobile catering and snack stalls.
Barbers, hairdressers, nail technicians, beauty therapists and mobile salon services.
Taxi drivers, chauffeur services, delivery drivers and mobile service providers.
Electricians, plumbers, cleaners, repair services, handymen and call-out businesses.
Photographers, consultants, tutors, personal trainers and independent professionals.
Charity events, school fairs, local clubs, fundraisers and seasonal sellers.
Convenience shops, kiosks, boutiques, phone shops and local retail counters.
Product tour
See the login, charge and wallet experience, then watch the demo to understand the merchant payment flow.
A short demo video helps merchants understand the app quickly: install, register, enter an amount, ask the customer to tap and send a receipt.
When sharing on social media, combine the video with your referral link so interested merchants can install immediately.
FAQ
No separate terminal is needed when the merchant has a compatible NFC-enabled Android device and meets payment availability requirements.
Tap & Chip supports Stripe Tap to Pay’s on-device PIN flow. If a contactless payment requires cardholder verification — for example, because of the transaction amount, regional contactless rules or issuer requirements — the customer can be prompted to enter their PIN securely on the Android device.
No. Customer card data and payment PIN entry are handled through Stripe Terminal. Tap & Chip does not store raw customer card numbers or payment PINs on the device.
Existing merchants can refer others from inside the app, and non-merchants can join through the public referrer signup page.
Under the current programme model, eligible rewards can continue while the referred merchant remains active and makes qualifying transactions, subject to the programme terms remaining in force.
Rewards are created from eligible successful live transactions. Automatic payout requires the referrer to complete Stripe connected account onboarding.
Referral rewards are not paid on refunded, disputed, failed, cancelled, test or fraudulent payments. If a payment is later reversed, the referral reward may also be reversed or adjusted.
Join the referral programme, get your unique link and start introducing merchants who want to take card payments on their phone.
