Contactless Tap and Pay for Merchants

Know About Tap and Pay

SmartHub Vyapar’s Tap and Pay turns your NFC-enabled smartphone into a POS terminal, enabling quick and secure cashless payments. Customers can pay with a simple tap using contactless Debit or Credit Cards from MasterCard, Visa, or RuPay. Transactions up to ₹5,000 require no PIN, while amounts above ₹5,000 need a PIN for added security.

This affordable solution enhances payment efficiency, ensuring convenience and safety by eliminating the need to enter or save card details. Merchants can register for the HDFC Bank SmartHub Vyapar app to accept digital payments instantly and track collections via a centralized portal for seamless business management.

To know more, download the SmartHub Vyapar brochure here.

Tap N Pay is a contactless payment method that uses Near Field Communication (NFC) technology. Instead of inserting or swiping a card, users simply tap their card on a compatible terminal to complete a transaction. The NFC chip in the card securely transmits payment information to the terminal, facilitating a fast and seamless transaction.

  • Download an app that provides this service to configure NFC/Contactless Payment on your phone.  

  • Add your card details to the app. Your bank will send a verification text.  

  • Once the card is set up and synced with the app, unlock your phone using a fingerprint sensor, facial recognition, or numeric passcode.  

  • Hold your device over the contactless reader to make payments.

The features of Tap Payment include:

Convenience

Make purchases without inserting or swiping the card.

Speed

Near-instantaneous processing for quick checkout.

Security

Advanced encryption measures safeguard against fraud.

Versatility

Compatible with smartphones, smartwatches, and NFC-enabled cards.

Global Acceptance

Widely accepted by merchants around the world.

Faster Payments

No need for swiping, dipping, or PIN entry for transactions under ₹5,000.

Convenient Use

Simply tap your card or device to complete the transaction.

Enhanced Security

Generates a unique one-time security code for each transaction.

Reduced Risk

Card remains in your hand, decreasing the chance of fraud.

Widely Accepted

Can be used at any contactless-enabled POS terminal.

Versatile

Compatible with various payment apps and mobile devices

Minimal Contact

Reduces the need for physical contact with payment terminals.

Merchants can use the Tap and Pay transaction feature at any merchant outlet with contactless readers or NFC-enabled POS terminals. This includes businesses, from retail stores to restaurants and more.

*The (Most Important Terms and Conditions) for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

Frequently Asked Questions

The Contactless Pay feature of HDFC Bank's SmartHub Vyapar App converts your NFC-enabled smartphone into a POS terminal. It allows you to accept payments via Debit Card and Credit Card issued by MasterCard, Visa, and RuPay, provided the card is enabled for contactless payments.

Yes, your smartphone should have NFC functionality to use the Tap to Pay feature with the SmartHub Vyapar App. This feature converts your NFC-enabled smartphone into a point-of-sale (POS) terminal. It is a wireless communication technology that allows your smartphone to exchange small bits of data with other devices and read NFC-equipped cards over relatively short distances.

The Contactless Tap Pay feature of the SmartHub Vyapar App can accept payments via Debit Card and Credit Card issued by MasterCard, Visa, and RuPay, provided the card is enabled for contactless payments.