Tap2Local payments without reader Mankato Minnesota

Tap2Local

TAP2LOCAL

Real Local Banking. Now Tap-Enabled

Powered by Moov | Offered by Profinium

Accept card payments anywhere - no additional reader, no waiting, no hassle. With Tap2Local, small businesses can take payments directly from their mobile phone and have funds deposited into their Profinium account. 
 
Compatible with iOS and Android and supports Visa®, Mastercard®, American Express®, and Discover®.
 

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Tap to Pay

Customers tap their physical card or digital wallet (Apple Pay, Google Pay) on your phone.

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Payment Links

Send a secure payment link customers can pay on any device.

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QR Codes

Display a QR code for fast, card-not-present payments.

Business owner using phone tap to pay Mankato MN

Why Small Businesses Love It 

 For home repair companies such as plumbers, HVAC ,or a home remodel business, imagine being in and out of homes all day.
Now you do not need to remember to carry around another piece of equipment like a card reader and no sending invoices later. 
 
Tap2Local is a great tool for those in the event vendor space such as caterers or photographers.
When bouncing from venue to venue and providing services on the go, being able to take payments directly from your smart phone helps you get your
payments faster and helps your clients with a seamless payment experience. 
 
Running a retail shop today means your business doesn’t stop at your storefront. You’re popping up at farmers markets, sip-and-shop nights, holiday boutiques, and weekend events.
And every event brings the same worry: “Do I have the card reader? Is it charged? Will the Wi-Fi work?”  Now you can take payments anywhere with just your phone — no extra devices, no tangled cords. Funds go directly into your Profinium bank account.
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Local Bank + Modern Tools
 
Big-bank tech with personal service
 
Accept payments anywhere, anytime
 
Perfect for in-store, events, and pop-ups
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Keep Money Local
 
Payments flow directly into the local economy 
 
Automatic deposit into your Profinium account
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Simple & Secure

No reader, no waiting, no hassle

Fast, secure, and simple

Syncs with QuickBooks for easy reconciliation

Frequently Asked Questions

Fees:

  • For in-person (card-present) payments: roughly 2.60% + $0.10 per transaction

  • For card-not-present payments (online, payment links, QR codes): roughly 2.90% + $0.30 per transaction

These are estimates. Actual fees vary depending on the card type, card brand (Visa, Mastercard, AmEx, Discover), and industry (retail, travel, gas, etc.).

Yes! Tap2Local includes multiple security measures to protect your business and your payments:

  • Verified enrollment: During sign-up, businesses complete identity verification and answer security questions to confirm eligibility and legitimacy.

  • Payment dispute management: You can manage and resolve payment disputes directly within the app.

  • Fraud monitoring: Advanced tools detect suspicious activity. If fraud is suspected, a business account can be temporarily deactivated to protect your funds.

With these safeguards, Tap2Local keeps your payments secure while giving you flexibility and control.

Tap2Local offers next-day card settlement, meaning payments processed before the card network cutoff times are typically credited to your wallet the next banking day.

Card network cutoff times:

  • Mastercard: 2:00 AM ET (Next Day)

  • American Express: 7:00 PM ET

  • Discover: 6:00 AM ET (Next Day)

  • Visa: 6:00 AM ET (Next Day)

How payment statuses work:

  • Confirmed: Payment authorized and eligible for next-day settlement

  • Settled: Transaction processed; wallet will be credited by 1:00 PM ET on a banking day

  • Completed: Funds have been credited to your wallet and are available for transfer

Transfers processed before the cutoff times are usually available the next banking day. Once marked completed, funds can be moved from your wallet to your Profinium account.

Tap2Local is built on reconciliation-first technology, which makes managing payments simple and accurate.

  • Automatic syncing: Payments accepted through Tap2Local automatically sync with your accounting software, such as QuickBooks or Xero.

  • Simplified daily tracking: Daily card payment activity, including refunds and chargebacks, is automatically updated in your accounts.

  • No manual work: Eliminates the need to manually reconcile transactions, saving time and reducing errors.

With automated reconciliation, businesses can focus on running their operations while Tap2Local handles the financial details.

Yes! Tap2Local provides real-time reporting and analytics to help you track your sales:

  • Merchant overview: Get a quick snapshot of daily sales and recent payments.

  • Transaction details: Tap any item in the Activity list to see full details, including successful payments, failed attempts, or canceled transactions.

  • Stay informed: Quickly monitor business performance and identify trends without leaving the app.

 
 
Products and services may require enrollment, other terms and conditions and fees may apply. Third party fees for internet, QR Codes, messaging, or data plans may apply.