Can I Use My Phone As a Card Machine?

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Sunny Best (Product Reviews) Sunny Avenue
19 Feb 2024

With the advancements in technology, smartphones have become an essential part of our daily lives. From communication to entertainment, these handheld devices have revolutionised various aspects of our routines. But did you know that you can also use your smartphone as a card machine? 

With the help of innovative solutions like SumUp Tap, you can transform your Android phone into a contactless payment terminal, allowing you to accept card payments on the go.

In this insight, we will explore the possibilities of using your smartphone as a card machine, the benefits it offers, and how you can get started.

Can I Use My Phone As a Card Machine?

Yes, you can use your smartphone as a card machine if you use the Sumup Tap app. However, it's only compatible with Android phones. If you have an iphone, you will either need to buy a Sumup device or a cheap Android Phone. 

If you are going to buy a Sumup Device, we recommend the Sumup Air:

Sumup AIR Mobile Card ReaderBest Card Machine for Craft Fair

★★★★★ 4.5   £38.99
With the SumUp Air card reader, you’ll be able to receive card payments on the go, wherever you’re working – anywhere, anytime.
If you’ve got this SumUp card reader, you can accept all major debit and credit cards as well as Google Pay and Apple Pay. It’s small enough to fit in your pocket, and is so simple to use with your smartphone or tablet.
Pros:
  • One upfront cost and then a small fee per transaction of 1.69%.
  • Quick install time of just 5 minutes.
  • Works via bluetooth.
Cons:
  • Runs on batteries (provided) without a charging function.
We earn a commission if you make a purchase, at no additional cost to you.
  • It's available to purchase on Amazon and links provides your Sumup App with the compatibility to take payments using this as hardware as opposed to your phone. 
  • Choosing to buy a Sumup Air device will be much cheaper than buying an android phone, even if you did get the cheapest model.
  • There's no contract to using a Sumup air, you pay up-front once for the device and an ongoing fee of 1.69% per transaction from then on.
  • It's ideal for any sole-traders operating a stall, for example at a craft fair. 

Benefits of Using Your Phone as a Card Machine

Using your smartphone as a card machine comes with several advantages, both for business owners and customers. Let's take a closer look at some of these benefits:

Convenience and Portability

One of the significant advantages of using your smartphone as a card machine is the convenience it offers. Traditional card machines often require additional hardware and wiring, limiting their portability.

With a smartphone-based solution like SumUp Tap, you can accept cashless payments right from your smartphone, no matter where your business takes you. Whether you're at a trade fair, a pop-up shop, or even offering services on the go, having a portable payment solution in your pocket can streamline your operations and enhance customer satisfaction.

Cost-Effective Solution

Setting up a traditional card machine can be expensive, with upfront costs and monthly fees. However, using your smartphone as a card machine eliminates these additional expenses. SumUp Tap, for instance, offers a free sign-up process with no upfront costs or monthly fees.

You only pay a small transaction fee on each payment you accept, making it a cost-effective solution for small businesses and startups.

Easy Set-Up Process

Setting up a smartphone-based card machine is incredibly easy. All you need is a SumUp profile and their free mobile app.

Once you've signed up, you can start accepting payments by simply downloading the app and tapping "Checkout." Enter the payment amount, tap "Charge," select SumUp Tap as your payment method, and ask your customer to hold their card on the back of your phone until you hear a beep. It's as simple as that!

Enhanced Security

Security is a significant concern when it comes to accepting card payments. With SumUp Tap, you can rest assured that your transactions are protected by the same security offered by the EMV standard.

In partnership with Visa, SumUp Tap ensures that your customers' payment information is safeguarded, providing you and your customers with peace of mind.

How SumUp Tap Works

SumUp Tap is a reliable and user-friendly solution that enables you to accept card payments on your Android smartphone. Here's a step-by-step guide on how it works:

  • Open the SumUp app: Begin the process by opening the SumUp app on your Android phone.
  • Tap 'Checkout': Once you're in the app, tap on the 'Checkout' option to initiate the payment process.
  • Enter an amount and tap 'Charge': Enter the payment amount for the transaction and tap 'Charge' to proceed.
  • Select SumUp Tap as your payment method: From the available payment methods, choose SumUp Tap as the option for accepting card payments.
  • Ask your customer to hold their card on the back of your phone until you hear a beep: Instruct your customer to hold their card on the back of your phone until a beep sound is heard. This indicates that the payment has been successfully processed.

It's as simple as that! With just a few taps on your smartphone, you can seamlessly accept card payments from your customers.

Compatibility and Security

When it comes to smartphone-based card machines, compatibility and security are crucial factors to consider. SumUp Tap is designed to work with a wide range of Android devices, ensuring that you can use the solution regardless of your smartphone model.

However, it's essential to check the compatibility of your specific device with SumUp Tap to ensure a seamless experience.

In terms of security, SumUp Tap is powered by Visa, offering the same level of security as traditional card readers. Transactions made through SumUp Tap are protected by the EMV® standard, ensuring that your customers' payment information is safe and secure.

Frequently Asked Questions

What do I need to turn my phone into a card reader?

To turn your phone into a card reader, you'll need a SumUp profile and their free mobile app. Simply sign up for SumUp Tap, download the app, and follow the easy set-up process to start accepting card payments on your smartphone.

Where do my customers have to tap their cards?

To process a payment using SumUp Tap, your customers need to hold their cards on the back of your phone until a beep sound is heard. This indicates that the payment has been successfully processed.

What cards can I accept with SumUp Tap?

With SumUp Tap, you can accept payments from various card types, including Visa, Mastercard, Maestro, American Express, and more. It's a versatile solution that allows you to cater to a wide range of customers and their preferred payment methods.

Is there a limit to the transaction amount I can accept?

SumUp Tap does not impose any specific limits on the transaction amount you can accept. However, it's essential to check with your payment provider or merchant account for any applicable limits or regulations.

Which Android devices can use SumUp Tap?

SumUp Tap is compatible with a wide range of Android devices. However, it's advisable to check the compatibility of your specific device with SumUp Tap to ensure a seamless experience.

Is SumUp Tap as secure as a traditional card reader?

Yes, SumUp Tap is as secure as a traditional card reader. Powered by Visa, SumUp Tap ensures that your transactions are protected by the same security offered by the EMV® standard. You can trust that your customers' payment information is safe and secure when using SumUp Tap.

How long does it take to receive my money?

SumUp Tap offers fast payout times, ensuring that you receive your money quickly. Typically, funds are transferred to your bank account within a few business days, depending on your payment provider or merchant account.

Conclusion

Using your phone as a card machine can provide you with a convenient, cost-effective, and secure solution for accepting card payments. With SumUp Tap, you can transform your Android phone into a contactless payment terminal, allowing you to expand your business and provide your customers with seamless payment options.

By following the easy set-up process and utilising the secure features of SumUp Tap, you can take advantage of the benefits offered by smartphone-based card machines. 

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ABOUT THIS AUTHOR - STUART CRISPE

Stuart is an expert in Property, Money, Banking & Finance, having worked in retail and investment banking for 10+ years before founding Sunny Avenue. Stuart has spent his career studying finance. He holds qualifications in financial studies, mortgage advice & practice, banking operations, dealing & financial markets, derivatives, securities & investments.

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