Today, millions of small and micro-businesses worldwide are struggling with the burdens of traditional payment acceptance. Tap to Phone makes it easier for sellers to use their NFC-enabled smartphones to accept payments with no additional hardware required. By simply downloading an app, millions of sellers everywhere can accept contactless payments using current-generation mobile devices. Customers win too, as they can make payments with just a tap of their contactless card, phone or watch to the seller’s NFC-enabled smartphone.