bunq Together

Tap to Pay 📱

bunq

Hey bunqers 🌈

You can use your bunq app to accept all types of in-person, contactless payments. From physical debit and credit cards to Apple and Google Pay and other digital wallets, no terminal or hardware is needed. It’s easy, secure, and private.

How can I enable and request Tap to Pay?

To receive a payment through Tap and Pay, follow the steps mentioned below:

Tap on 🔵 Request
Choose the currency, sum, and Bank Account on which you want to receive the payment on
Tap on “Choose Recipient”
Tap “Enable Tap to Pay” and go with the flow
Give the phone to the one paying
Voilà 🎉

Who can use this feature?

Tap to Pay is available for Business users using iOS in the Netherlands, France, Germany, and Italy, as well as Business users using Android in all the countries we’re operating in.

You can see a detailed list of all eligible merchants (based on their SBI code) who can use the feature here
Employees with Full Access to a Business account can also use the feature.

How fast will my money arrive?

The money will be available in your Bank Account in about 7 days.

How can I share the receipt?

To do so, follow these simple steps:

Go to 🏠Home
Tap on the Bank Account you’ve received the payment on
Tap on the payment event
Tap on Receipt
Tap on the Share icon in the top right corner
Share the receipt with your client
Done ✅

Types of payment event statuses

There are three types of payment event statuses:

Payment pending

When a card payment is made, it initially goes through a successful authorization process. This means that the amount for the transaction is approved and reserved for the cardholder. In this scenario, the cardholder is the end client who is making a purchase from you.

However, even though the payment has been authorized, it is still in a pending state. This is because the amount has not yet been transferred to your Bank Account. It takes 7 days for the amount to be received successfully and appear in your Bank Account.

Payment received

After 7 days, the payment will be successfully received by you and visible in your Bank Account.

Refunded payment

You can always refund the desired amount to your client after the payment has been made and a refund was requested. The refund can be partial or full, depending on your agreement. Refunds are instant and when successful, a new refund event is created called “Refund successful”.

How can I refund a payment and review it?

Go to 🏠 Home
Tap the Bank Account
Press on a payment that you want to refund
Press “Refund Payment”
Choose amount and confirm

To enter the refund event afterwards and review it, follow the steps below:

Go to 🏠 Home
Tap the Bank Account
Tap on the payment event that needs to be refunded
Tap on “You Refunded”

Which merchants aren’t eligible for Tap to Pay?

The following merchant categories can’t use the Tap to Pay:

Home care
Other paramedical practitioners (no physiotherapy and psychology) and alternative healers
Social work for adults
Sale and repair of passenger cars and light motor vehicles (no import of new cars)
Counseling and welfare for disabled
Social work for children
Residential care for the elderly
Practices of psychotherapists and psychologists
Bars
Specialist medical practices and outpatients’ clinics (no dentistry or psychiatry)
Tour operators
Social assistance with residential and day care for children
Travel agencies
Residential and day care for mental retardation
Welfare for elderly
Residential nursing care
Tourist information and reservation services
Renting of passenger cars and light motor vehicles (no operational lease)
Art galleries

You can see a detailed list of all eligible merchants (based on their SBI code) who can use the feature here.

Note: Employees with Full Access to a Business account can also use the feature.

Is there a fee?

Yes, the fee for receiving Tap to Pay payments is 1.5% of the amount received.