Apple Tap to Pay on iPhone Now Available in Malaysia — Merchants Can Accept NFC Payments Without Card Machines
Apple has officially launched Tap to Pay on iPhone in Malaysia as of 22 April 2026, enabling merchants to accept contactless payments using only an iPhone — no additional hardware required (according to Apple's official announcement).
What Is Tap to Pay on iPhone?
Tap to Pay on iPhone is a feature that turns any iPhone 11 or newer into an NFC contactless payment terminal. Merchants simply download a supported payment provider's app — no card machines or extra POS terminals needed.
The feature supports multiple payment networks including MyDebit, Visa, Mastercard, American Express, UnionPay and JCB. It also accepts payments from non-Apple devices such as Android smartphones and smartwatches (according to Apple).
How Can Merchants Start Using This Feature?
To start using Tap to Pay on iPhone, merchants need to:
- Sign up with a supported payment service provider
- Download the provider's iOS app on their iPhone
Currently supported payment service providers in Malaysia are:
Provider | Service Type |
|---|---|
ADAPTIS | Payment processor |
Fiuu | Payment gateway |
HitPay | Mobile POS terminal |
Stripe | Global payment processor |
Zoho | Business solution |
What Are the Device Requirements?
An iPhone 11 or newer running the latest iOS version is required. This means models such as iPhone 12, iPhone 13, iPhone 14, iPhone 15, iPhone 16, and iPhone 17 all support this feature.
Is Apple Already Using This Feature?
Yes — Apple is implementing Tap to Pay at Apple The Exchange TRX, Malaysia's only Apple Store, for checkout purposes (according to SoyaCincau).
Frequently Asked Questions
Do I need to buy extra card machines to use Tap to Pay?
No. Tap to Pay on iPhone only requires an iPhone 11 or newer and a supported payment provider app — no additional hardware needed.
Can customers pay using Android phones?
Yes. Tap to Pay on iPhone accepts payments from any device that supports contactless payments, including Android smartphones and smartwatches.
Which payment networks are supported in Malaysia?
Tap to Pay supports MyDebit, Visa, Mastercard, American Express, UnionPay and JCB in Malaysia.
