Getting started

Rabo Tap to Pay is Rabobank’s standalone app to accept contactless card payments directly on Android and iOS devices. No external hardware or SmartPin integration is required. The app turns a compatible smartphone or tablet with an NFC chip into a payment terminal, allowing merchants to process transactions securely without additional equipment. The app integrates seamlessly with your existing cash register system through a connected partner, enabling smooth point-of-sale operations. Rabo Tap to Pay is part of the Rabo Smart Pay platform, offering merchants a flexible, integrated payment solution.

Best suited for:

• Business customers of Rabobank (SMEs and large businesses)

Device Compatibility

• iPhone Requirements:
  • To use Rabo Tap to Pay on iPhone, iPhone XS or newer is required.
  • iPads are not supported.
• Android Requirements:
  • Apps that monitor or record screen activity must be disabled, as they interfere with PIN entry.
  • Devices must have:
    • NFC capabilities.
    • Google Mobile Services (GMS) installed.

Using the app

1. Ensure the Rabo Tap to Pay App is installed on the merchant device.
2. Tap to Pay requires:
   • The latest software version of iOS.
   • Android version 13 or above
3. For optimal stability and security, you should Initiate the payment flow via a deep link. This helps prevent app termination due to inactivity or OS-level background restrictions.
4. Enable Location sharing (required) for transaction security.

   📘

   A security token may be reactivated on the device once per day or less. This process is occasionally visible to the user and typically completes within 20 seconds.

5. For troubleshooting and known issues, refer to the Tap to Pay Support page (in Dutch)

App to App connection

Request:

You can initiate a payment from a third-party app using a special URL. The following data can be included:

After the payment is complete, you receive feedback with the status of the payment with the following fields:

Initiating a payment using URL (iOS)

Request

let url = URL(string: "rabotaptopay://payment")

if let url = url, let urlComponents = NSURLComponents(url: url, resolvingAgainstBaseURL: false) {
  
var parameters : [URLQueryItem] = []
  
parameters.append(URLQueryItem(name: "id", value: "abcdefg"))
  
parameters.append(URLQueryItem(name: "amount", value: "1234"))
  
parameters.append(URLQueryItem(name: "callbackUrl", value: "thisappscheme://finished"))
  
urlComponents.queryItems = parameters
  
if let compiledCallbackUrl = urlComponents.url {
  
if UIApplication.shared.canOpenURL(compiledCallbackUrl) {
  
// Perform the operation on Rabo Tap to Pay by calling the Rabo Tap to Pay URL scheme + parameters
  
UIApplication.shared.openURL(compiledCallbackUrl)

} else {
  
// If application is not installed: display an error message
  
let alertController = UIAlertController(title: "Not installed", message: “Rabo Tap to Pay
                                        
application not installed, please install and try again.", preferredStyle: .alert)
                                        
alertController.addAction(UIAlertAction(title: "Okay", style: .default, handler: nil))

self.present(alertController, animated: true, completion: nil)

}

}

}

Response

func application(_ app: UIApplication, open url: URL, options:

[UIApplicationOpenURLOptionsKey : Any] = [:]) -> Bool {

if let urlComponents = URLComponents(url: url, resolvingAgainstBaseURL: false),

urlComponents.host == "finished" {

// Move the URL query paramets to a String dictionary

var parameters : [String:String] = [:]

if let queryItems = urlComponents.queryItems {

for item in queryItems {

if let value = item.value {

parameters[item.name] = value;

}

}

}

let id = parameters["id"]

let amount = parameters["amount"]

let state = parameters["state"]

let transactionId = parameters["transactionId"]

let terminalId = parameters["terminalId"]

let AID = parameters["AID"]

let truncatedPan = parameters["truncatedPan"]

let authCode = parameters["authCode"]

let errorCode = parameters["errorCode"]

// Handle transaction with above parameters

return true

}

}

Initiating payment (Android)

Request

final Intent intent = new Intent();

val id: String = [your id]

val amount: Int = [your amount in cents]

intent.setAction("nl.rabobank.taptopay.PAY")

intent.addFlags(Intent.FLAG_ACTIVITY_CLEAR_TOP)

intent.putExtra("id", id)

intent.putExtra("amount", amount)

intent.putExtra("showResult", true)

if (deeplink){

val uri = Uri.parse("rabotaptopay://payment?id=" + id +"&amount="+ amount +

"&showResult=true" + “&url=[your result url]“)

val mapIntent = Intent(Intent.ACTION_VIEW, uri)

startActivity(mapIntent)

}else {

# General Requirements

1. Ensure the Rabo Tap to Pay App is installed on the merchant device.
2. For optimal stability and security, you should initiate the payment flow via a deep link. This helps prevent app termination due to inactivity or OS-level background restrictions.
3. Enable Location sharing (required) for transaction security.

<br />

<br />

# Device Compatibility

**iPhone Requirements**

* iPhone XS or newer is required for Rabo Tap to Pay
* iPads are not supported

**Android Requirements**

* Device must have NFC hardware (required for card reading)
* Google Play Services must be installed
* Android 13 or above
* Apps that monitor or record screen activity must be disabled, as they interfere with secure PIN entry

<br />

<br />

# Using the Tap to Pay app

The Rabo Tap to Pay app supports two primary usage modes:

## Option 1: Direct Payment Entry (Built-in)

Use the Rabo Tap to Pay app directly to accept payments. Cashiers open the app, enter the payment amount manually, and process transactions. This is the default mode and requires no integration with external apps.

## Option 2: App-to-App Integration

Connect your own cash register app or payment system to Rabo Tap to Pay. Your app initiates payments programmatically, and Rabo Tap to Pay handles the transaction securely. Your app then receives the payment result (approved, declined, etc.) and displays it to the user.

→ See the [Initiating Payments from Your App](https://docs.developer.rabobank.com/smartpay/reference/reference/initiating-payments-from-a-third-party-app) guide for implementation details.

**Optional:** If you're using app-to-app integration, you can [control direct payment entry](https://docs.developer.rabobank.com/smartpay/reference/reference/controlling-direct-payment-entry) to prevent cashiers from entering amounts manually in the Rabo Tap to Pay app, forcing all transactions to come through your system.

<Callout icon="📘" theme="info">
  A security token may be reactivated on the device once per day or less. This process is occasionally visible to the user and typically completes within 20 seconds.
</Callout>

}