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Beyond the continued expansion of its Apple Pay ecosystem, Apple has also been steadily advancing its merchant-facing Tap to Pay on iPhone feature—transforming the device into a contactless payment terminal without the need for additional card readers or hardware. With the latest update, this functionality has now been extended to more European markets, including Estonia, Latvia, Lithuania, Monaco, and Norway, enabling local merchants to accept payments seamlessly through iPhone.
Consistent with Apple’s long-standing strategy, Tap to Pay on iPhone is accessible exclusively via third-party iOS applications developed by partner platforms, with options tailored to the specific needs of each market.
For instance, the UK-based fintech company SumUp announced support for Tap to Pay in Estonia, Latvia, Lithuania, and Norway, though Monaco will rely on other partners since SumUp does not operate there. Among the five new markets, Norway stands out with the broadest integration: more than six payment platforms, including global players PayPal and Stripe, have announced adoption of Apple’s NFC-based payment technology, giving merchants a wide range of choices for implementing mobile payments. Apple has also published detailed lists of supported providers in each market, ensuring businesses can select the most suitable option.
For merchants, the primary appeal of Tap to Pay on iPhone lies in its ability to turn the device into a fully-fledged payment terminal supporting Apple Pay, Visa, Mastercard, and other contactless credit and debit cards. Transactions are processed securely through the iPhone’s built-in Secure Element chip, ensuring encryption and protection throughout the payment flow. No external readers or dedicated hardware are required—merchants simply update the relevant app to begin accepting payments immediately.
However, payment platforms must first sign commercial agreements with Apple and cover associated fees to activate the feature. This requirement has previously made some financial institutions cautious, yet as consumer adoption of mobile payments continues to rise, more platforms are joining in, accelerating Tap to Pay’s global rollout.
As of now, Tap to Pay on iPhone is available in 43 countries and regions worldwide, positioning Apple to drive the feature as a new standard for mobile payments. For small and medium-sized businesses in particular, it offers a low-barrier, cost-saving alternative to traditional POS systems, eliminating the expense of purchasing and maintaining extra hardware. Looking ahead, as more markets and platforms embrace it, Tap to Pay on iPhone is poised not only to advance the adoption of cashless transactions but also to cement the iPhone’s role as an indispensable tool in everyday business operations.
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