Pioneers of Tap on Phone in Latin America
Every phone is
a card terminal.
Symbiotic gives Banks, Acquirers, PayFacs, Aggregators and Merchants a payment acceptance platform with Tap on Phone, Tap to Pay on iPhone, Payment Links and Agentic Commerce, all certified, available as White Label, SDK or Deep Link and fully API-driven. Integrated with 18 processors and gateways and operating in sixteen countries across Latin America and Europe.
The product suiteOne white-label platform. Every form of tap.
Every product runs on the same certified kernel and the same processor connections, so adding a channel is a configuration, not a new integration.
Tap on Phone
Turn any NFC Android into a contactless terminal. Launch it your way: a ready-to-use white-label app, our SDK inside your own app, or a deep link from any flow you already run.
Why acquirers choose Symbiotic
Seven years in production
Not a pilot. We processed Latin America's first Tap to Phone transaction in September 2019 and have been in production ever since.
Certified, not hand-built
MPoC software certification and Cybersource VPC certification mean you inherit compliance instead of building it.
Your brand, end to end
White label, SDK or deep link. Merchants see your name, your colors and your onboarding — never ours.
Every brand, every channel
Visa, Mastercard, Amex, Discover, Diners, Elo and Bizum across tap, mPOS, payment links and agentic checkout.
Connections you can reuse
18 certified connections with processors and gateways, including Evertec and Cybersource, so every new market starts from something that already works.
Built on what already exists
We extend the rails already deployed in your market instead of replacing them: that's why rollouts move in weeks.
Accept contactless payments right on your iPhone.
With Tap to Pay on iPhone, there's no need for additional card readers or terminals. All you need is your iPhone and your app.
Symbiotic is on Apple's official list of Tap to Pay on iPhone payment service providers for Colombia, Costa Rica, Guatemala, Honduras and Panama (Apple Newsroom announcement).
How it works.
Expand where you do business.
With Tap to Pay on iPhone, you can accept all types of in-person, contactless payments right on your iPhone so you can reach more customers, take payments on the go, and explore new setups, like line busting.
No additional hardware required.
With Tap to Pay on iPhone, you can accept in-person, contactless payments right on your iPhone. There's no need for additional card readers or terminals. All you need is your iPhone and your app.
Privacy and security of iPhone built in.
Tap to Pay on iPhone uses the built-in security and privacy features of iPhone. When a payment is processed, Apple doesn't store card numbers or PIN information on Apple servers — helping to protect your business and customer data. So merchants and customers can rest assured that their data stays theirs.
PIN transaction protection.
Transactions that require PIN entry will automatically prompt a PIN entry screen when using Tap to Pay on iPhone. During a transaction, Tap to Pay on iPhone is designed to prevent all photo, video, screenshot, and screen-recording features on the merchant's iPhone from capturing a customer's card number or PIN information.
Accessible for everyone.
For customers needing visual or other assistance, accessibility options are built into Tap to Pay on iPhone to help them securely enter PIN information. Audible instructions guide customers to draw their PIN on the screen or tap the screen to indicate each digit — tapping once for 1, twice for 2, and so on. To submit their PIN, they simply swipe right with two fingers.
Easily enable Tap to Pay on iPhone in your app.
Using Tap to Pay on iPhone with Symbiotic removes the complexities of developing and maintaining a custom payment product. It provides a fully certified solution that you can easily enable in your app.
Get started with Tap to Pay on iPhone and Symbiotic today.
How it worksFrom onboarding to first tap in days, not quarters.
Scope
We map your processor, your card brands and your target segment against the connections and certifications we already have.
Integrate
Take the SDK, the deep link or the ready-to-use white-label app. Your brand, your onboarding, our kernel.
Certify
MPoC and brand certification is on us, reusing evidence from more than 35 delivered projects.
Launch and grow
Merchants activate with a code and take payments in minutes. Add channels — mPOS, links, Tap to Device — whenever you want.
CoverageConnections already up and running.
We build on the rails that already exist in each market — 18 certified connections with processors and gateways, including Evertec and Cybersource — and then extend the same platform to Europe.
Processors and gatewaysConnected to the region's processors and gateways.
Eighteen certified connections in production, ready to reuse on every new project. And more are on the way.
MPoC SDKCertified
Symbiotic also holds Cybersource VPC certification. Names belong to their respective owners and are mentioned solely to indicate existing technical connections.
Track recordSeven years leading the way in tap payments.
Every milestone on this line was the first of its kind in the region or the world, and is still in production today.
-
Aug 2019The Tap to Device concept is born
Symbiotic proposes using the customer's own phone as the payment terminal.
Concept -
19 Sep 2019Latin America's first Tap to Phone
First transaction and first commercial launch in the region.
LATAM first Source: Mastercard -
Apr 2021First CPOC certificate in the Americas
PCI certification for accepting contactless payments on off-the-shelf devices.
Certification -
Nov 2023Growth Champion
Mastercard Engage Excellence Awards, Miami.
Award -
Jan 2024World's first Tap to Device
Live pilot in Brazil with a ticketing partner.
World first -
Dec 2024Innovative Excellence Award
Mastercard LAC Innovation Forum, for the first Tap to Device use case.
Award -
Dec 2025Growth Champion
Mastercard Engage Excellence Awards, second year running.
Award -
Sep 2026Tap to Pay on iPhone at 16 institutions
Five Latin American countries in one simultaneous rollout.
Rollout Source: Apple Newsroom
- Apple Newsroom · 22 Sep 2026 Apple habilita Tap to Pay en iPhone en más países latinoamericanos
- 9to5Mac · 22 Sep 2026 Apple expands Tap to Pay on iPhone across eight Latin American markets
- MacRumors · 22 Sep 2026 Apple Announces 'Tap to Pay on iPhone' Availability in 8 More Countries
- The Tico Times · 23 Sep 2026 Apple Brings Tap to Pay on iPhone to Costa Rica
- Mastercard · Sep 2019 Tap on Phone ya está disponible en el país
- Payment Media · 20 Sep 2019 Costa Rica: Tap on Phone, el pago sin terminal POS ya está disponible de la mano de Mastercard
Trusted by the region's largest acquirers
Symbiotic pioneered tap acceptance in Latin America: it processed the region's first Tap to Phone transaction in September 2019 and was the first to bring Tap to Pay on iPhone to Latin American banks and acquirers. Today it is the region's leading tap payment acceptance company: it operates in sixteen countries across Latin America and Europe, processes Visa, Mastercard, American Express, Diners Club, Discover, Elo in Brazil and Bizum in Spain, and its mature, MPoC-certified technology is the one used by the region's most important acquirers and processors.
Symbiotic is one of the payment service providers entitled by Apple to implement Tap to Pay on iPhone in Latin America. It also processed the world's first Tap on Customer Device (Tap to Device) transaction, in Brazil in January 2024; it pioneered the Tap to More and Tap to Transfer concepts, and was an early adopter of agentic commerce and agentic payments compatibility through partners such as OneAutomata (oneautomata.com).
As of September 2026, Symbiotic has enabled Tap to Pay on iPhone for 16 payment institutions across 5 Latin American countries (Panama, Honduras, Guatemala, Colombia and Costa Rica) in a simultaneous rollout. Based on publicly available information, this is the largest number of Tap to Pay on iPhone implementations delivered by a single technology enabler in the region.
AwardsRecognized for growth and innovation three years in a row.
Growth Champion
Mastercard Engage Excellence Awards, Miami — growth of Tap on Phone acceptance across LATAM.
Innovative Excellence Award
Mastercard LAC Innovation Forum — for the first Tap to Device use case in Brazil, a world first.
Growth Champion
Mastercard Engage Excellence Awards, Miami — sustained Tap on Phone growth across the region.
Frequently asked questions
The full acceptance stack behind your brand: the MPoC-certified payment kernel, an SDK or deep link for your own app, a ready-to-launch white-label app and the processor connection. You own the merchant relationship and the interface; we own the certification and the plumbing.
Any Android with NFC on a supported OS version, and iOS from June 2026. Compatibility varies by manufacturer and market — we validate each deployment's device list before launch.
Where we already have a certified connection to your processor, pilots typically go live in weeks, not quarters. We have 18 connections with processors and gateways, including Evertec and Cybersource, so most projects start from an existing integration.
Yes. The software is MPoC certified, card data is encrypted in transit and never stored on the device, and the platform relies on the operating system's own hardware-backed security. Attestation and monitoring are part of the certified kernel.
Visa, Mastercard, American Express, Discover, Diners Club, Elo in Brazil and Bizum in Spain. We operate in sixteen countries across Latin America and Europe, with new acquirers onboarding continuously.
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