Accept card payments on your phone — no POS terminal needed
Turn an ordinary smartphone into a payment terminal. Accept contactless cards, Apple Pay and Google Pay via Monobank (Tap to Mono) and PrivatBank (Terminal) right inside Skyservice POS — with built-in PPO, and no hardware to buy or rent.
What is accepting cards on your phone (Soft POS)
Accepting cards on your phone is Tap to Phone (Soft POS) technology that turns an ordinary NFC-enabled smartphone into a full payment terminal. The customer simply taps their card, phone or watch on your smartphone — and the payment goes through in seconds. No separate bank POS terminal, no cables, no receipt rolls. In Skyservice POS it works together with your register, products and fiscalization: create the receipt — accept the payment — issue a fiscal receipt via PPO.
How it works in Skyservice POS
You set up phone-based payment acceptance through an acquiring bank — Tap to Mono from Monobank or Terminal from PrivatBank — and install its app on an NFC-enabled smartphone. In the Skyservice POS register you create a receipt with the customer's items, and to pay, the customer taps a contactless card or phone on your smartphone.
The payment goes through instantly, and the fiscal receipt is created via the built-in PPO and sent to the customer right away — by SMS, email or QR code. All revenue appears in Skyservice reporting alongside the rest of your sales: cash, classic acquiring, delivery. You see sales across every payment method in one place.
Scenario: mobile trade and delivery
Picture a coffee truck, a fair stand or a courier making deliveries. Before, the customer could only pay in cash — because carrying a bank terminal around is inconvenient and often expensive. Now the seller accepts the card right on their own smartphone: the customer taps a card or phone, the payment goes through, and the fiscal receipt flies out by SMS. No separate device, no cables, no plugging into a socket. The very phone that already has the Skyservice POS register open also becomes the terminal — which means more payments, fewer "do you take cards?" refusals, and full revenue reporting even on the go.
Who accepting cards on your phone is for
This solution is for anyone who wants to accept cards without paying for a separate terminal: small cafes and shops, coffee trucks, stands at fairs and festivals, delivery services and couriers, taxis, service-industry professionals and mobile trade. It's especially valuable wherever payments happen away from a fixed register — out "in the field" — where carrying a classic terminal is inconvenient or simply not worth it.
How to start accepting cards on your phone in 3 steps
- 1Choose an acquiring bank. Set up Tap to Mono from Monobank or Terminal from PrivatBank — whichever is more convenient for handling your settlements and receiving revenue.
- 2Install the app on your phone. All you need is an NFC-enabled smartphone. No separate terminal, no receipt rolls, no engineer visit — setup takes about 10 minutes.
- 3Accept payments in Skyservice POS. Create the receipt at the register, the customer taps a card or phone — the payment and the fiscal receipt via PPO go through in seconds, and the revenue lands in your reporting right away.
Pay on your phone vs. a bank terminal
| What we compare | Bank POS terminal | Pay on your phone (Skyservice) |
|---|---|---|
| Hardware | A separate device: buy or rent | Your NFC-enabled smartphone — 0 UAH for hardware |
| Launch | Application, device delivery, setup | Install the app — about 10 minutes |
| Mobility | Tied to the register and a power socket | Pay anywhere: delivery, taxi, on the road |
| Maintenance | Receipt rolls, cables, device servicing | Nothing extra — it's all in your phone |
| Fiscalization (PPO) | Often separate | Built-in PPO, fiscal receipt right away |
| Customer receipt | Paper | SMS, QR code or email |
Which banks power phone-based acceptance
Skyservice POS integrates with smartphone card-acceptance solutions from Ukrainian banks. Choose the one that's most convenient for handling your settlements:
Tap to Mono — Monobank
Accept contactless cards on an NFC-enabled Android smartphone. Simple setup, receipts by SMS or QR, and a self-service mode where the buyer enters the amount themselves.
Details and setup →Terminal — PrivatBank
Contactless payments on your smartphone with fiscalization via PPO right in the Terminal app. Fast NFC payments in seconds.
Details and setup →The list of partner banks for phone-based payment acceptance keeps growing — the Skyservice support team can suggest the best options for your business.
What accepting cards on your phone gives you in Skyservice POS
Skyservice POS with pay-on-your-phone lets you:
- Accept contactless cards without buying or renting a separate terminal
- Get up and running in 10 minutes — no engineer visit, no rolls, no cables
- Accept payments anywhere: on delivery, in a taxi, at a fair, in mobile trade
- Issue a fiscal receipt via the built-in PPO — by SMS, QR or email
- See revenue from every payment method in unified Skyservice reporting
Frequently asked questions about accepting cards on your phone
Do I need a separate bank terminal?
No. All you need is an NFC-enabled smartphone and the acquiring bank's app (Tap to Mono from Monobank or Terminal from PrivatBank). The customer taps a card or phone on your smartphone — no separate POS terminal required.
Which phones support pay-on-your-phone?
You need a smartphone with an NFC module. Tap to Mono from Monobank works on Android devices with NFC; PrivatBank's Terminal also accepts contactless payments on a smartphone. There's no special hardware to buy.
How much does accepting cards on your phone cost?
Accepting payments on your phone itself doesn't require spending on a separate terminal. The acquiring fee is set by your bank at its own rate. Register functionality is available in Skyservice POS from 387 UAH/month, and you can try the system free for 14 days.
Is a fiscal receipt (PPO) created?
Yes. Pay-on-your-phone works together with the built-in Skyservice PPO: once the payment goes through, a fiscal receipt is created and sent to the customer by SMS, QR code or email, and recorded with the tax authority.
Can I accept payments during delivery or on the go?
Yes, that's the main advantage. Since no terminal is needed, you can accept cards anywhere your smartphone is: with a courier on delivery, in a taxi, at a fair or festival, in mobile trade. The payment and fiscal receipt go through on the spot.
How secure is it?
Payments follow the acquiring bank's security standards with data encryption, just like on a classic terminal. You don't store customers' card data — the bank processes the transaction.
Why is it better than a regular bank terminal?
You don't have to buy or rent a separate device, launch takes about 10 minutes with no engineer, and you can accept payments anywhere thanks to your phone's mobility. Plus built-in PPO and receipts by SMS or QR — all in a single smartphone together with the Skyservice register.
Skyservice POS — accept cards on your phone without a terminal
If you're looking for how to accept card payments without a terminal, or a Tap to Phone (Soft POS) solution for your business, Skyservice POS covers it through bank integrations. Accept contactless cards on an NFC-enabled smartphone via Monobank (Tap to Mono) or PrivatBank (Terminal), issue fiscal receipts via PPO, and keep track of all your revenue in one register. No terminal to buy, with the mobility to handle delivery and mobile trade. Try Skyservice POS free for 14 days.
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Need help accepting payments on your phone?
Our support team will help you set up card acceptance on your smartphone via Monobank or PrivatBank and configure PPO for your business. Message the Skyservice technical support chat or give us a call — consultations are free.