CCAvenue TapPay

Introducing CCAvenue TapPay: Convert your smartphone
into a PoS terminal to accept
contactless payments

CCAvenue TapPay offers customers the convenience to pay with a simple tap of a credit/debit card on a merchant's NFC enabled Android smartphone for a secure, contactless and frictionless payment experience. It is the first Indian Pin-On-Glass solution certified by Visa, MasterCard and RuPay that securely accepts transactions over ₹ 5000 - a complete game changer for big-ticket businesses.

Go contactless with just a Tap!

A turnkey, cost-effective solution with the ability to turn any NFC enabled android smartphone into a PoS terminal. The deployment is easy and 100% software-based. Once installed and ready to go, businesses can start accepting contactless payments immediately. This is a completely secure solution fully compliant with the latest EMVCO standards, PCI CPoC specifications and has been approved and certified by Visa, MasterCard and RuPay.

Benefits of CCAvenue TapPay

No Hardware Required

No physical PoS machine required. Uses a mobile application on any NFC enabled Android smartphone

Contactless Acceptance

Offer zero contact payment acceptance with NFC enabled cards and devices

Cashless Payments

Eliminate the hassle of handling cash by enabling frictionless and convenient card payments with just a tap

Speeds Up Checkout

A tap-n-go payment experience with no PIN entry for transactions up to ₹ 5000. Allow customers to breeze through without jamming up the checkout line.

Paperless Receipts

Offers an option to send digital receipts to customers through SMS, WhatsApp or email

Enhanced Security

Reduce card frauds and ensure increased security, as customers do not have to input card details or save cards for future use

Collect TapPay payments via

CCAvenue Omni-channel Mobile App

The CCAvenue Omni-channel app is pre-integrated with the CCAvenue TapPay solution. Simply download the App from Google Playstore and install it on an NFC enabled Android smartphone.

CCAvenue NFC Card Reader

For businesses that do not have NFC enabled phones or have iOS devices, CCAvenue offers a CR100 device that accepts EMV and NFC payments that connects with smart devices via Bluetooth or USB.

Use cases for TapPay

Frequently Asked Questions

What is CCAvenue TapPay?

CCAvenue TapPay is a software based contactless mobile point of sale (POS) solution that facilitates card payment transactions with a simple Tap to the phone. We have made it easy for all vendors, big or small, to leverage this NFC based tap-on-phone technology by simply downloading and installing the software on their own device, without the need to purchase additional hardware devices .

How secure is the CCAvenue TapPay solution?

To date, PCI SSC has two mobile standards: PCI Software-based PIN Entry on COTS (SPoC) Standard, which provides a software-based approach for protecting PIN entry on the wide variety of COTS devices, and PCI Contactless Payments on COTS (CPoC) Standard which addresses security for solutions that enable merchants to accept contactless payments using a smartphone or other commercial off-the-shelf (COTS) mobile device with near-field communication (NFC). CCAvenue TapPay is certified for both of these standards.

How can a merchant accept payments using the CCAvenue TapPay App?

We offer a number of easy and innovative ways in which CCAvenue TapPay solution can be leveraged by merchants. Merchants can use the CCAvenue Omnichannel App which comes pre-integrated with the CCAvenue TapPay solution or they can integrate the CCAvenue mobile SDK into their own merchant app to start accepting CCAvenue TapPay transactions. For merchants who do not have NFC enabled phones, we offer a simple CR100 device that connects with smart devices via Bluetooth or USB to accept EMV and NFC payments.

How can I view my transaction history?

All TapPay transactions can be seen within the CCAvenue MARS web portal as well as through the CCAvenue Omnichannel Mobile App. You will be able to search for, view and manage all TapPay transactions from both and also view settlement details for these transactions.

What are the different modes of payment supported by CCAvenue TapPay?

CCAvenue TapPay is approved to accept debit / credit card and prepaid card payments issued by Visa, MasterCard and RuPay.

Can businesses store Tokens instead of Cards?

Merchants who are using CCAvenue Vault to save their cards, can continue using the same tokens generated for the vault as before. However only PCI DSS compliant Merchants can store Network Tokens.

What is Pin-on-Glass and what are its benefits?

PIN on glass refers to PIN entry on an integrated touchscreen of a PCI-approved smart terminal. In this case, a instead of a physical PIN pad, the touchscreen of the device, namely a smartphone or tablet, displays a virtual PIN pad when prompted to enter the code.

In the case of CCAvenue TapPay, the card is read electronically via NFC, with a contactless tap of the card against the smartphone device. Based on the purchase value, when relevant, the payer will be prompted to enter his PIN securely with a dynamic virtual PIN pad displayed on the touchscreen of the smartphone. Both the electronic card data and PIN are encrypted and securely transmitted to the payment processor and card issuer for verification. Once verified the smartphone receives this confirmation and completes the transaction.

The security and ease of acceptance without additional hardware requirements are the key benefits of this solution.

What are the steps involved in a merchant's onboarding process?

We have simplified the process for merchants to begin transacting with CCAvenue TapPay. Merchants already registered with CCAvenue may simply download the CCAvenue Omnichannel app and request enablement of the CCAvenue TapPay feature. There are a few regulatory requirements with respect to risk evaluation and geolocation that need to be addressed for MID generation, post which a merchant can immediately go live and transact.

Merchants who are not currently registered on CCAvenue can also download the CCAvenue Omnichannel merchant app but upon download and installation they will also require to register and complete certain eKYC checks to complete the onboarding process. Once eKYC validations are complete and agreement has been signed the merchant may request for enablement of TapPay feature.