Symbiotic
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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 more than 17 processors and operating in fifteen countries across Latin America and Europe.

MPoC
Certified software
SEP 2019
First tap transaction in LATAM
JAN 2024
World's first Tap to Device
A phone running Symbiotic's Tap on Phone app with a contactless card approaching
Accepted card brands
VISA mastercard AMERICAN EXPRESS DISCOVER Diners Club elo bizum UNIONPAY + JCB — 2026/27
7
years of Tap to Phone in production
15
countries across the Americas and Europe
35+
projects delivered with banks and acquirers
17
certified processor connections, ready to reuse
The product suite

One 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.

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Why acquirers choose Symbiotic

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Tap to Pay on iPhone

Accept contactless payments directly on your iPhone.

With Tap to Pay on iPhone, you don't need card readers or terminals. Accept every kind of contactless, in-person payment — physical debit and credit cards, Apple Pay and other digital wallets — with just your iPhone and your app.

See how it works.

New horizons for your business.

With Tap to Pay on iPhone, you can now accept all kinds of contactless, in-person payments directly on your iPhone. Reach more customers, get paid anywhere and take payments right in the queue to save time.

No extra hardware needed.

With Tap to Pay on iPhone, you can now accept contactless, in-person payments directly on your iPhone, with no additional terminals or card readers. All you need is your iPhone and your app.

All the privacy and security of iPhone.

Tap to Pay on iPhone has all the privacy and security of iPhone. When a payment is processed, Apple doesn't store card numbers or PIN information on its servers, helping protect your business and your customers' data. That's why merchants and customers alike can trust that their data stays confidential.

Protected PIN transactions.

Tap to Pay on iPhone shows a PIN entry screen for transactions that require it, and is designed to prevent the seller's iPhone screenshot, screen recording, photo and video features from capturing the customer's PIN or card number during a transaction.

Accessible to everyone.

If a customer needs visual or other assistance, Tap to Pay on iPhone offers built-in accessibility options to enter their PIN securely. Customers can draw their PIN on the screen guided by audio prompts, or tap the screen to indicate digits: once for 1, twice for 2 and so on. To submit the PIN, they simply swipe right with two fingers.

Enabling Tap to Pay on iPhone in your app is easy.

Using Tap to Pay on iPhone removes the hassle of building and managing a custom payment product. It's a fully certified solution that's very easy to integrate into your app.

Start using Tap to Pay on iPhone today.

How it works

From onboarding to first tap in days, not quarters.

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Coverage

Connections already up and running.

We build on the rails that already exist in each market — certified links with Transerver, Cybersource and 17 other processors — and then extend the same platform to Europe.

Live — at least one connection
New acquirers and PSPs onboarding
Symbiotic coverage
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Trusted by the region's largest acquirers

Symbiotic is the Tap to Phone leader in LATAM, an award-winning Mastercard Engage member and Cybersource VPC certified.

Awards

Recognized for growth and innovation three years in a row.

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MPoC certified software Cybersource VPC certification Mastercard Engage member Featured at MPE Europe and GSMA MWC Fintech Americas award

Frequently asked questions

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Ready to put a terminal in every pocket?

Tell us your market and your processor. We'll come back with the integration path, certification status and a timeline.

Symbiotic