Contactless with Tap to Pay
In person, the customer taps a contactless card or a phone with Apple Pay or Google Pay on your smartphone.
Take payments on your phone. By card, QR or link.
With Tap to Pay, accept contactless card payments on a compatible iPhone or Android, with no card terminal to buy. You can also get paid by QR code or payment link.
For companies and the self-employed: in store, on the go or online.
14 days free · No card, no contract
From setup to money in your bank account
Activate payments
In FIZ, verify your identity and enter the IBAN of the account where you want to receive the money.
Charge the customer
Select products or services and the customer pays. FIZ then issues a fatura‑recibo: invoice and receipt in one document. You can also enter just the amount and invoice on the same day.
Receive money in your bank account
The money reaches your account automatically, daily, weekly or monthly, as you choose. The balance and history are shown in FIZ.
How the customer can pay
QR code
Show the QR code to your customer. They scan it and complete the payment on their own phone.
Payment link
Share a payment link with your customer. They open the page and pay online, without having to visit you.
Payment fees
The fee is a percentage of the amount paid plus a fixed amount. It depends on your FIZ plan, the payment method and the country of the bank that issued the card. Rates for cards from banks in Portugal and other European Economic Area (EEA) countries:
For self-employed professionals
| FIZ plan | Contactless | QR or link |
|---|---|---|
| Base | 2.9% | 2.9% |
| Auto / Auto Pro | 1.9% | 2.4% |
| Prime / Prime Pro | 1.4% | 1.9% |
| Fixed amount | + €0.20 | + €0.25 |
For companies
| FIZ plan | Contactless | QR or link |
|---|---|---|
| Pro | 1.9% | 2.4% |
| Max | 1.4% | 1.9% |
| Fixed amount | + €0.20 | + €0.25 |
Cards issued outside the EEA: 2.9% + €0.20 for contactless payments. QR codes and payment links accept only cards from EEA banks.
There are no other costs per payment: only the fee is deducted.
Example: a €15 sale
Contactless · Prime Pro planCard from a Portuguese bank
- Payout to your bank account
- €14.59
On your payout schedule
- Customer pays
- €15.00
- Payment fee1.4% + €0.20
- −€0.41
Choose a plan for your business
Frequently asked questions about taking payments
What do I need to accept card payments?
To take contactless payments, you need a compatible iPhone or Android with the FIZ app: with Tap to Pay, the phone works as a card terminal, with no equipment to buy. For QR codes or links, FIZ on your phone or computer is enough: the customer pays on their own phone. In both cases, first turn on payments in FIZ.
Which phones are compatible?
iPhoneiPhone XS or later, with an up-to-date version of iOS. Beta versions are not supported. Where to look on your iPhone: Settings → General → About.
AndroidA Tap to Pay-compatible model with NFC, Android 13 or later, Google Play and a security update from the past 12 months. The operating system must be the factory one, with no modifications.
Where do I find this on Android?
- NFC: search for “NFC” in Settings and turn it on.
- Android version: Settings → About phone → Android version. You need version 13 or later.
- Security update: in the same section, look up the Android security update date. It must be within the past 12 months.
- Turn off Android developer options before accepting contactless payments.
Setting names may vary by phone.
The QR code also works on phones without NFC: the customer scans it and pays on their own phone.
Do I need internet and location access?
Yes, for contactless payments: connect your smartphone to the internet, turn on location and allow FIZ to access it. Location helps protect payments against fraud. For QR or link payments, you do not need location: internet on your phone or computer and on the customer’s phone is enough.
What does accepting a payment cost?
It depends on your plan, the payment method and the country of the bank that issued the card. The fee is deducted from each payment and is not part of the subscription.
See the fee tableWhen does the money reach my bank?
In FIZ settings, choose daily, weekly or monthly payouts. The first payout usually arrives 7 to 14 days after your first payment; later payouts follow your schedule.
Can I accept cards from other countries?
Yes. Cards from banks in Portugal and other European Economic Area (EEA) countries use the fee table. For cards from banks outside the EEA, the contactless fee is the same on every plan and is shown below the table. QR codes and payment links accept only cards from EEA banks.
See the fee tableCan I refund a customer?
Yes. Open the payment in FIZ, enter the amount to refund (full or partial) and confirm. The money goes back to the customer’s card, and the fee is refunded to you in the same proportion.
For a full refund of a QR or link payment with an automatic fatura‑recibo, FIZ issues the nota de crédito (credit note). In other cases, issue a credit note in FIZ or, for a full refund within the invoice’s quarter, cancel the invoice.
When is the fatura‑recibo issued?
If you select the products or services before taking payment, FIZ issues the fatura‑recibo right after payment. If you only charge the amount, issue a fatura‑recibo in FIZ on the same day with what you sold. If the sale already has an invoice, charge from that invoice: FIZ records the payment and issues the recibo.
Where can I see the payment, the fee and the bank payout?
In FIZ, each bank payout shows the payments it includes, the fees and refunds already deducted, and the invoice for each sale invoiced in FIZ. The fee is a business expense: the customer’s invoice keeps the full amount paid.