In this article, you'll learn what the Tap to Pay messages in the phone app mean and how to fix each one, so you can get back to taking the card instead of guessing.

With Tap to Pay, your phone is the card reader. There's nothing to pair or charge, so most problems come down to the phone, its settings, your login or your Stripe connection. The tap itself only happens in the phone app (iPhone and Android). On the web, the Tap to Pay page points you to Stripe's own app instead, so this article is about the phone app.

Note: Tap to Pay is in Features and starts out on for every account. If someone on your team switched it off, turn it back on in Features first.

To open Tap to Pay:

In the phone app, open the menu and tap Tap to Pay.
To get the phone ready before your first customer, tap Set up this iPhone (or Set up this phone on Android).

You can also start setup from Settings > Payments with Set up Tap to Pay on this iPhone (or on this phone). That card only shows once Stripe is connected. The first time you sign in on a phone that can tap, a welcome screen also offers Set up Tap to Pay.

Before you start

Check these first. They fix most problems.

Make sure the phone can do it. An iPhone needs to be an iPhone XS or newer on a current iOS. An Android phone needs a built-in NFC chip, NFC turned on, and a current version of Android.
When setup asks for location access, allow it. The card reader needs your location to take a card.
Keep the app up to date from the App Store or Google Play.
Let setup finish. While the screen says Setting up Tap to Pay (and sometimes Preparing this iPhone… with a percentage), Tap to Pay isn't ready yet. On an iPhone, accept Apple's Terms and Conditions if they appear. When it's done, the screen says This iPhone is ready (or This phone is ready).

Where errors show up

You'll see a problem in one of three places:

During setup, the screen says Couldn't finish setup and shows the reason in red.
While taking a payment, the Tap to Pay screen says Didn't go through with the reason under it.
On the Collect payment page, a message shows under the payment buttons.

The setup and tap screens both have a Try again button. Fix what the message says, then tap Try again. On the tap screen, that retries the same invoice and tip, so you don't have to start the payment over.

Tip: If the job already has a tip on it, the Collect payment page says so under the amount, and the tip screen opens with that tip already picked. Check it before you go on, so you don't charge a tip twice or drop one.

The Tap to Pay button is missing

On a job, open the Finance tab and tap Add payment to open Collect payment. The card buttons there, including Tap to Pay on iPhone (or Tap to Pay on Android), only show for team members allowed to charge cards. If you don't see it, ask an admin to give your role the Charge Credit Cards permission.

The phone needs a newer iOS or Android

The message says Tap to Pay needs a newer iOS or a newer version of Android.

To update an iPhone

Open the iPhone's Settings.
Tap General, then Software Update.
Install the update, then go back to the app and tap Try again.

To update an Android phone

Open the phone's Settings.
Tap System, then Software update.
Install the update, then go back to the app and tap Try again.

This phone can't take Tap to Pay

On an iPhone, this means the phone is older than an iPhone XS or isn't on a current iOS. On Android, it means the phone has no built-in NFC chip, NFC is off, or Android is out of date.

If the phone doesn't have the hardware, updating won't help. Take cards on a newer phone, or send the customer a payment link instead.

NFC is off (Android)

Android needs NFC on to read a card.

Open the phone's Settings.
Search for NFC and turn it on.
Go back to the app and tap Try again.

Developer options, USB debugging or a rooted phone (Android)

For security, Tap to Pay won't run on an Android phone that could have been tampered with. That covers developer options or USB debugging turned on, and rooted phones.

Open the phone's Settings.
Go to System and turn developer options off.
Go back to the app and tap Try again.

Warning: A rooted phone can't take Tap to Pay. You'll need to use a different phone.

Stripe isn't connected

Tap to Pay takes the card through your company's own Stripe account, so nothing works until Stripe is connected. Here's how that shows up:

The Tap to Pay page shows a Connect Stripe to start tapping card with a Go to Payments settings button.
On Collect payment, tapping Tap to Pay on iPhone (or Tap to Pay) takes you straight to Payments settings instead of the tap.
Setup stops with "Connect Stripe on the Payments settings page before taking Tap to Pay."

Connect it once and tapping works from then on. See Connecting Stripe to take online payments.

The Payments settings page, where you connect Stripe

Couldn't check how this company takes cards

If Collect payment says "Couldn't check how this company takes cards. Check the connection and try again.", the app couldn't reach the CRM to confirm your Stripe setup. Check that the phone has signal or Wi-Fi, then tap Tap to Pay on iPhone (or Tap to Pay) again.

An admin sets this up

If you see An admin sets this up, your login isn't an account admin. Setup has to be done by an admin. On an iPhone that's because Apple's Tap to Pay terms have to be accepted by one. Ask your admin to open Tap to Pay and tap Set up this iPhone (or Set up this phone) once. After that, everyone on your team can take payments on that phone.

The app needs updating

If the Tap to Pay screen says Update the app to tap, or setup says this version of the app doesn't include Tap to Pay yet, your copy of the app is older than Tap to Pay. Install the latest version from the App Store or Google Play, then try again.

The card won't read

If the phone is ready but the tap isn't going through, check where the customer is holding the card. While it waits, the screen tells you:

On an iPhone, they hold the card or their phone to the top of your iPhone.
On an Android phone, they hold it to the back of your phone.

Have them hold it still until the screen moves on to Approving…. If it still won't take, tap Try again. To back out, tap Cancel.

Tip: On the Tap to Pay page, See how it works opens a short guide to where the customer holds the card and how digital wallets work. On iPhones running iOS 18 or newer, Show me on this iPhone opens Apple's own demo.

Troubleshooting Tap to Pay