LINCPAY × RUPAY · CONTACTLESS PAYMENT ACCEPTANCE
Turn any NFC
smartphone into a
payment terminal
RuPay Tap on Phone transforms any NFC-enabled smartphone into a secure, cost-effective payment acceptance terminal — eliminating the need for traditional POS hardware. LincPay is the technical partner powering that acceptance for banks, aggregators and fintechs.
NFC Tap-to-Pay
EMV & PCI-Compliant
PIN-on-Glass (SPoC)
Zero POS Hardware
What is RuPay Tap on Phone?
A payment terminal that already lives in every merchant's pocket
RuPay Tap on Phone transforms any NFC-enabled smartphone into a secure, cost-effective payment acceptance terminal — eliminating the need for traditional POS hardware.
By eliminating the hardware cost of physical POS machines, it democratizes digital payment acceptance for small and medium enterprises, micro-merchants, and street vendors across India. LincPay is the technical partner behind the merchant-side acceptance experience.
Built for India's merchant reality
- Any NFC-enabled Android phone
- Zero dedicated POS hardware
- RuPay cards & tokenised wallets
- EMV & PCI-compliant security
- PIN-on-Glass (SPoC) verification
- Instant digital receipts
Key benefits
Why merchants are switching to Tap on Phone
Zero Hardware Costs
No need to purchase or maintain dedicated physical POS machines — the merchant's own smartphone becomes the terminal.
Instant Onboarding
Quick digital activation turns an existing smartphone into a payment terminal — merchants can start accepting payments the same day.
Secure Architecture
Built on robust EMV specifications and PCI-compliant security standards from the ground up.
Enhanced Mobility
Accept payments anywhere, anytime — built for delivery services and mobile vendors on the move.
From tap to confirmation in milliseconds
An enterprise-grade payment flow engineered for high throughput, absolute transaction integrity, and zero latency — powered by bank-grade NFC tokenization.
LincPay Accept Kernel
v4.2.0 • Active Session
Amount Due
₹ 2,450.00
Security & compliance
Bank-grade security on standard mobile hardware
NFC Data Exchange
Near Field Communication over ISO/IEC 14443 standards for lightning-fast, secure proximity data transfer between card/phone and merchant device.
PIN-on-Glass (SPoC)
Fully compliant with Software-based PIN Entry on COTS (SPoC) standards, cryptographically protecting the customer's PIN when entered on the merchant's screen.
End-to-End Encryption
Card data is tokenised and encrypted at the point of capture, so sensitive credentials are never stored on the merchant's device.
Use cases
Empowering merchants across Bharat
Built for the realities of Indian commerce — from physical retail to doorstep delivery.
Small & medium enterprises
Accept RuPay card and phone payments without investing in dedicated POS hardware.
Micro-merchants
Turn a single smartphone already in hand into a full payment acceptance point.
Street vendors
Bring secure digital payment acceptance to India's smallest sellers.
Delivery services
Collect payment at the doorstep on any NFC-enabled phone — no extra device to carry.
Mobile & on-the-go merchants
Accept payments anywhere, anytime, with no fixed terminal to install or maintain.
Launch video
Watch the official launch video
RuPay Tap on Phone official launch video, featured at Global Fintech Fest.
LincPay technology & partnership
The tech stack behind RuPay Tap on Phone
Behind the merchant-facing Tap on Phone acceptance experience is LincPay's certified payment engine — handling card reading kernel, host switch processing, EMV Level 2 kernel compliance, and bank integration.
RuPay Tap on Phone acceptance is powered by the same LincPay SoftPOS technology that turns NFC-enabled Android phones into PCI-compliant card terminals across our merchant network.
What LincPay provides
- SDKs for rapid merchant-app integration
- Secure, documented APIs & webhooks
- Integration modules for banks & aggregators
- White-label deployment for fintech institutions
For white-label deployment inquiries or technical documentation, contact our enterprise integration team.
Get started
Ready to enable Tap on Phone?
Build secure, scalable contactless payment acceptance with LincPay.
- NPCI-certified infrastructure
- Enterprise-grade security
- Dedicated implementation support