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Terminal on a smartphone (Tap to Phone)

«Tap to Phone» («Terminal on a smartphone») — is an additional feature in the Torgsoft accounting system that allows you to accept contactless payments by bank cards on an NFC-enabled smartphone without a physical POS terminal.

You record sales and control finances in one program: the payment instantly goes into the accounting system, without manual reconciliation with the bank. 

In the «Torgsoft 2.0» mobile app, you can connect the «Terminal» payment solution from PrivatBank and «Terminal on a phone by mono» (tap to phone monobank). Integration with OschadPAY from Oschadbank is configured directly in the Torgsoft desktop program on a PC.

Tap to Phone in Torgsoft

What is Tap to Phone

Tap to Phone (a smartphone terminal, software terminal) — is a technology that turns an Android or iOS smartphone with NFC into a POS terminal for accepting contactless payments by cards, phones, and watches.

«Mobile acquiring» — is a convenient alternative to a classic POS terminal for sole proprietors (FOPs), courier delivery, and small businesses that operate via banking apps. 

Why you need it

When the terminal and accounting live separately, errors appear and control is lost.

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Two systems instead of one

The terminal is separate, accounting is separate. You have to reconcile the data manually.

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Staff errors

A cashier may enter the wrong amount or the wrong payment method, and then «adjust» the numbers.

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No single point of control

You don’t see cash and cashless payments in one place, so revenue control weakens.

Solution: integrating Torgsoft with software terminals 

Tap to Phone lets you accept card payments directly on an NFC-enabled smartphone. Integration with Torgsoft does the key thing: the payment instantly becomes part of your accounting. 

You install the bank’s app, connect it to Torgsoft, and immediately see these sales in accounting, reports, and analytics. Integration with accounting and fiscal receipts works only via the «Bank terminal connection» option, which is purchased as an annual subscription for each terminal separately. 

How it works

01

Preparation

Install the app of the bank you need («Terminal» from PrivatBank, «Terminal on a phone» from monobank, or OschadPAY ) for Tap to Phone on an NFC-enabled smartphone. Follow the bank’s instruction guide. 

02

Connection

Activate the «Bank terminal connection» option in Torgsoft and enter the integration parameters (PrivatBank and MonoBank terminal settings are configured in the Torgsoft mobile app). 

03

Payment

The customer taps a card or phone to your smartphone (or pays via a QR code if supported by the bank). 

04

Accounting

The payment is reflected in Torgsoft: on the sales or returns form you see the amount, payment method, and revenue for the day. You can also immediately print a sales or fiscal receipt for the customer. 

What you get

Fast payment acceptance

The customer taps a card or phone to your smartphone — the payment goes through. You save time at checkout and reduce queues.

pay by card, phone, or watch (if supported by the bank).
fewer manual actions by the cashier, fewer mistakes.
Fast Tap to Phone payment acceptance
Payment in Torgsoft accounting

Payments instantly appear in your accounting

You see how much was sold, by which method, and the daily turnover. This is real-time financial control, not after reconciling with the bank.

Fewer manual end-of-day operations.
Transparent reports for cashless payments and cash.

Mobility

Accept payments wherever the customer is: in a shop, at a market, in a car, or during delivery. You don’t need to be tied to a stationary terminal.

One smartphone instead of a separate POS terminal. 
Convenient for mobile trade and delivery. 
A convenient solution for mobile trade and delivery
A smartphone terminal instead of a physical device

1 device instead of 2

No need to buy or rent a separate POS device. The smartphone acts as the terminal, and Torgsoft provides accounting and analytics.

Lower equipment costs.
Less hardware — fewer downtimes due to breakdowns.

Who the service is for

A smartphone terminal works well at points with low customer traffic and in businesses with mobile sales.

small shopsSmall shops

Groceries, clothing, accessories, electronics, and other formats.

coffee and fast foodCoffee and fast food

Street coffee stands, confectioneries, quick-service food outlets.

mobile tradeMobile trade

Fairs, markets, exhibitions, sales from a vehicle.

delivery servicesDelivery services

Payment on delivery and immediate entry into accounting.

vendingVending

Snacks, juices, water, and other vending machine formats.

own produceOwn produce

Gardeners, beekeepers, farmers, small producers.

Legal requirements

According to the Cabinet of Ministers of Ukraine Resolution No. 894, starting January 1, 2026, sole proprietors (FOPs) of all taxation groups, including mobile (outdoor) sellers, vending machine operators, and sellers of self-grown or self-fattened products, are required to use payment terminals.
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An exception applies to Group 1 sole proprietors (FOPs), who were allowed not to comply with this requirement during martial law and for three months after it ends or is cancelled, as well as to sellers operating in temporarily occupied territories or in areas where hostilities are ongoing.
A payment terminal is not required for sole proprietors (FOPs) who sell goods or services online and accept payments remotely (online payment services, internet banking). 

Technical requirements

To get started you need

An NFC-enabled smartphone.
The Torgsoft «Bank terminal connection» option.
The «Torgsoft 2.0» mobile app (for PrivatBank and monobank).
Bank-side setup: acquiring agreement, access credentials, and identifiers (depending on the financial institution).

The «Torgsoft 2.0» mobile app version is compatible only with Torgsoft 2026.

How to set up the integration?

How to set up the PrivatBank Terminal in Torgsoft?

How to set up terminal by mono in Torgsoft?

For connection details, contact Torgsoft support or use the guides:

Additional financial accounting features in Torgsoft

Control without sharing bank access

For payments to a settlement account, you can connect the «Bank account statements» option in Torgsoft. What does it provide?

Automatic import of payments into Torgsoft.
Linking payments to invoices and controlling income and expenses.
Delegating payment control to employees without sharing passwords for the bank portal.

Fiscalization of payments

Thanks to the integrated software cash register (pRRO), provided you purchase the «Connecting a software cash register in Torgsoft» option, you will be able to:

fiscalize sales and meet tax authority requirements.
send electronic receipts to customers (SMS, Viber, Email, provided the Mass Viber, SMS and e-mail messaging option is connected).
Track sales and fiscal operations in Torgsoft reports.

Want to accept cashless payments by phone and see sales in your accounting without manual reconciliation

Leave a request, and we’ll подобрать a solution for your bank and use case.

Frequently asked questions

1. Do I need a physical POS terminal +
Tap to Phone technology подразуміває a connection between the terminal and the phone — usually no: the smartphone acts as the terminal
2. Can I accept payment from a customer’s phone or watch +
Yes, if it’s a contactless payment and it’s supported by the bank or a specific Tap to Pay solution.
3. Does it work on iPhone +
Yes
4. Will I see the payment in accounting automatically +
Yes, with bank terminal integration the payment is immediately reflected in Torgsoft and included in reports, without manual reconciliation with the bank.
5. What should I do if the bank requires separate access or identifiers +
This is normal acquiring practice. Prepare the agreement and the bank parameters, then enter them in Torgsoft settings according to the guide.
Additional options
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