Asked constantly. Answered plainly.

The simplest way to collect all types of digital payments — an all-in-one app for payments, invoicing and job tracking built for home-service pros. No POS terminal or card reader to buy: customers pay from their own phone, or tap yours.

A flat 2.5% per Tap to Pay transaction; online payments are 2.7% + 20¢. That’s it — no setup fees, no subscription fees, no hidden fees, no equipment costs.

No. There is no contract and no cancellation fee — you can stop using ScanPay anytime, penalty-free.

Service professionals and small businesses in the United States with an active US (+1) mobile number who pass basic business-legitimacy checks. Sole proprietors are welcome — no legal business structure required.

Download the app, verify your mobile number with an OTP, and complete the basic business checks. Applications get a reply within 24 working hours; extra review can add 1–2 business days.

Never. Verification is for identity only. Your SSN is encrypted, used solely for legally required verification, and never shared or sold.

The app runs on iOS and Android; desktops and tablets use ScanPay Web at web.scanpay.tech with no download and no extra fee. Tap to Pay needs iPhone XS+/iOS 16.7+ or an NFC Android on Android 11+.

Email support@goscanpay.com. Deletion or deactivation is subject to regulatory record-retention requirements that apply to payment companies.

Create a payment or invoice in the app or on ScanPay Web, then collect by Tap to Pay, QR code, or a link sent by text or email. Both of you get instant confirmation when it settles.

Apple Pay, Google Pay, ACH bank transfer, PayPal and all major cards — Visa, Mastercard, American Express, Discover. You can also record cash and checks so everything lives on one ledger.

No. Customers never download anything or create an account. They scan the QR with their camera or open your link, and checkout happens on their own phone.

No — checkout opens on the customer’s device, and ScanPay never exposes their card details to you. They share a mobile number or email only if they want a receipt.

Build professional invoices with line items, taxes, fees, discounts, notes and photos, then send by SMS or email — free, unlimited, with your business name and logo. Receipts live in the Receipts tab, shareable by QR, text, email, link or PDF.

Reusable items (name, category, unit price, taxes, SKU), service charges (flat or percentage — think emergency or rush fees) and tax rates you can drop onto any invoice and still edit per line.

Yes — set service-fee amounts, let customers edit tips, and control tip collection across the team for uniform invoicing.

Yes — unlimited team members, free, with Admin/Member roles and per-person permissions on who sees what. Every payout still lands in one central business account, and you’re notified no matter who collects.

Contactless acceptance on the phone you already carry: customers tap their card, phone or watch on your iPhone or Android and the payment is approved on the spot. No terminal, dock or dongle.

iPhone: XS or later on iOS 16.7+. Android: functioning NFC on Android 11 or above — supported across Pixel, Samsung Galaxy, OnePlus, Oppo, Xiaomi and more.

No. It is the same flat 2.5% as every ScanPay in-person transaction — there is no Tap to Pay surcharge and no ScanPay-specific amount limit (card issuers may set contactless limits).

You don’t — every approved ScanPay account gets Tap to Pay automatically on eligible devices.

No noticeable battery impact — NFC only wakes for the seconds of the tap.

Email support@goscanpay.com and the team will hold your account. Mobile authentication blocks anyone else from getting in.

Your Team Name — editable anytime under Manage Team, so the brand on the tap screen is yours.

The transfer of your ScanPay balance to your linked business bank account. Standard payouts run automatically on your payout schedule via free ACH and land in 2–3 business days.

Move available funds to your bank in about 30 minutes, 24/7 — weekends and holidays included — up to 10 times a day. The fee is 1.5% of the amount with a $5 minimum (a $500 instant payout costs $7.50), provided in partnership with Stripe.

Payments collected minus refunds and fees, plus or minus any credits or dispute adjustments — shown as Upcoming Payouts and On the Way in the app.

Complete KYC/KYB, then link via your online-banking login or manual entry. Manage it under Manage Bank Account; anything odd, email support@goscanpay.com.

Sunbit and Klarna are built into ScanPay — no separate signup or integration. Customers apply in about 30 seconds on their own phone, with a 90% approval rate and instant financing up to $20,000, split over 3–12 months.

Not your problem. You are paid the full amount upfront; repayment is handled by the financing partner, and you carry no liability for missed payments or financing chargebacks.

Eligible merchants get capital offers based on ScanPay sales history — no personal credit check, one flat fee, no interest. Repayment is collected automatically as a percentage of your ScanPay sales, and funds arrive in about 2 business days.

A customer challenges a charge with their bank, and the bank reclaims the amount while it investigates. You’ll see it in the Disputes section plus email and mobile notifications.

Respond in-app or on the web within the deadline, attaching evidence — invoices, receipts, signed contracts, confirmations. ScanPay’s human support works disputes with you; most cases resolve in 40–90 days.

Clear business info on every receipt (so no “unrecognized charge” claims), prompt communication, timely refunds and clear payment policies. ScanPay receipts carry your name and logo for exactly this reason.

Payments are powered by Stripe — PCI-compliant, SOC 1 and SOC 2 certified, with machine-learning fraud prevention. In the app: biometric barriers on sensitive details, auto-lock, and in-app card blocking and freezing.

ScanPay partners with Stripe Payments Company for money transmission, with funds held at Fifth Third Bank N.A., Member FDIC. TrustLayer protection funds are held at JPMorgan Chase.