Ingenico (inkl. phos) card reader review 2026: tap to pay fees and rating
The world's largest terminal manufacturer, which took on SoftPOS technology through the phos acquisition (2023) and sells it white-label to acquirers.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Ingenico (inkl. phos) offers Ingenico SoftPOS / phos by Ingenico – Tap to Pay for iOS + Android. Transaction fee: on request; monthly fee: on request. Security certification: CPoC/SPoC. Available in: Europe (incl. UK, Bulgaria, Cyprus, France), North America, Latin America, APAC.
Ingenico (inkl. phos) terms in full
| Product name | Ingenico SoftPOS / phos by Ingenico – Tap to Pay |
|---|---|
| Provider type | SDK / white label |
| Headquarters | France (Paris); phos from Bulgaria/UK |
| Founded | 1980 (Ingenico); phos in 2018, acquired by Ingenico in 2023 |
| Platforms | both |
| Certification | PCI DSS, PCI CPoC, Visa/Mastercard Tap to Phone |
| Transaction fee | on request |
| Monthly fee | on request |
| Setup cost | on request |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Banks & PSPs, acquirers, enterprise; end customers are micro-businesses |
| Available markets | Europe (incl. UK, Bulgaria, Cyprus, France), North America, Latin America, APAC |
| Website | ingenico.com |
| Data source | Open primary source ↗ |
Alternatives to Ingenico (inkl. phos)
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- Raiffeisen Bank International (RaiPOS) — on request, Rating 2.8
- Mypinpad — on request, Rating 2.9
- Global Payments (GP tom) — on request, Rating 3.0
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Frequently asked questions
Ingenico tap to pay: do I need any extra hardware?
Ingenico (inkl. phos) delivers tap to pay as an SDK or white-label product: banks, platforms and payment providers build it into their own apps. Depending on the market you may meet it under the Ingenico (inkl. phos) name or under someone else's. Supported platforms: iOS + Android.
Which countries is Ingenico available in?
By our records: Europe (incl. UK, Bulgaria, Cyprus, France), North America, Latin America, APAC. Availability changes, and the date above the table is when we last checked.