Getting Paid Just Got Easy — Accept Cards and Send Invoices Free, Right from Your Banking App!
If you're a business owner, getting paid is kind of a big deal. After all, you wouldn't be in business for long if you never got paid for your hard work. Tap2Local™ makes it simple to get paid right within your digital banking app so you can accept payments whenever, wherever.
The #1 way to get paid is already in your pocket
With Tap2Local, you're always ready to make a sale. All you need is your phone to accept card payments from customers – no terminals, no extra equipment, no hassle.* The best part? Tap2Local offers multiple payment acceptance options so you can adapt to your customers' preferred way to pay.
- Tap to pay: Accept in-person payments with a simple tap on a compatible device.
- Payment links: Create single or multi-use links to share with customers or post on social media.
- QR codes: Generate scannable codes for in-person and online payments, letting customers easily scan and pay.
Less time bookkeeping, more time hustling
Payments that you accept with Tap2Local can be automatically synced with accounting software like QuickBooks or Xero, saving you time and headaches.
Fast access to your hard-earned cash
With Tap2Local, you can expect to see funds in your account as early as the next day.
Ready, set, get paid!
Time is money, so what are you waiting for? Enroll today right from your digital banking app.
We use information you've already shared with us to remove extra paperwork and manual data entry during the enrollment process. With this simplified review process, most businesses can expect an instant approval to start taking payments immediately.
Getting Started with Tap2Local™
Tap2Local is a convenient and secure solution that allows business account holders and sole proprietors to accept card payments directly through the SUMA FCU mobile banking app, eliminating the need for extra hardware. This service allows account holders to:
- Accept tap-to-pay from physical and virtual cards
- Generate secure payment links for remote transactions
- Display QR codes for quick, in-person customer payments
Enroll in Tap2Local
Account holders can enroll to accept card payments directly through the SUMA FCU mobile banking app, by following a few easy steps:
- Locate the Tap2Local sign-up option within the app and tap Enroll now.
- Read the disclosures provided by Moov, and if prepared to continue, tap Get started.
- Add general details about your business.
- Review the provided pricing agreement.
- Select the account you wish to receive your daily settlements into, and tap Continue & save.
- Once approved, you will be issued a unique merchant identifier, which enables you to begin accepting payments.
Note: Approximately 65-70% of businesses will receive instant approval and can start taking payments immediately.
Accept Payments
Once enrolled, the mobile banking app transforms your smartphone into a contactless Point-of-Sale (POS) device, allowing you to accept payments from debit cards, credit cards, Apple Pay, Google Pay, and more.
Tap to Pay
To accept a card-present payment:
- Open the Tap2Local feature in the SUMA FCU mobile banking app.
- Enter the payment amount, add a description, and tap Continue.
- Select Tap to Pay on iPhone/Tap to Pay on Android to receive payment in person.
- Have the customer tap their physical or mobile card on your compatible smartphone device.
- A payment complete screen appears once the payment has processed successfully. Tap Email receipt if the customer wishes to receive a receipt for the transaction.
Payment Link
To facilitate online or remote payment:
- Open the Tap2Local feature in the [your app name here] mobile banking app.
- Enter the payment amount, add a description, and tap Continue.
- Select Payment link to share an online payment link the customer can use to make their payment online.
- Send the link to your customer (via email, text, etc.) to complete the online payment.
QR Code
To accept a payment using a QR code:
- Open the Tap2Local feature in the SUMA FCU mobile banking app.
- Enter the payment amount, add a description, and tap Continue.
- Select QR code to generate a shareable QR code the customer can use to make their payment.
- The customer can scan the code (either in-person or from an online display) to instantly complete their payment.
Merchant Overview
The merchant overview feature provides a real-time snapshot of your business activity. To review transactions:
- Go to the SUMA FCU mobile banking app menu and tap Merchant.
- The merchant overview allows you to view revenue, review a detailed history of all transactions processed, and initiate a new payment transaction.
- To review a specific transaction, locate it in the history and tap it to open the Payment detail.
Create Refund
In the event that a partial or full refund is necessary:
- Go to the SUMA FCU mobile banking app menu and tap Merchant.
- Locate the transaction in the history and tap to review.
- Tap Create refund.
- Use the toggle to select full refund or partial refund, and tap Submit. Once the refund has been processed, a notation will appear in the merchant overview and the payment detail for the transaction.
Disputes
Merchants can manage customer disputes directly in the SUMA FCU mobile banking app by either accepting liability or submitting evidence against the dispute.
- From the Merchant overview, click the menu on the right side of the screen (the circle with three ellipses) and tap Disputes.
- A list of active and completed disputes displays.
- Tap on the transaction in question to view more details.
- Based on your financial institution's policies and procedures, select either Accept dispute or Submit evidence.
2026 winner: small business payments solution of the year
Tap2Local™ earned the Small Business Payments Solution of the Year award in the 10th annual FinTech Breakthrough Awards, recognizing our commitment to innovation that puts people first.
