Tap2Local is a convenient and secure solution that allows business account holders and sole proprietors to accept card payments directly through the Freedom First 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
How do I get started with Tap2Local?
Account holders can enroll to accept card payments directly through the Freedom First mobile banking app, by following a few easy steps:
- Locate the Tap2Local sign-up option within the app. It will say "Ready to accept payments?" at the top of your online/mobile banking screen. Tap the red Enroll now button.
- 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
How do I accept payments in Tap2Local?
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 Freedom First 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.
To facilitate online or remote payment:
- Open the Tap2Local feature in the Freedom First 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.
To accept a payment using a QR code:
- Open the Tap2Local feature in the Freedom First 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.
How can I view my Tap2Local transaction history?
The merchant overview feature provides a real-time snapshot of your business activity. To review transactions:
- Go to the Freedom First 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.
How can I manage refunds in Tap2Local?
In the event that a partial or full refund is necessary:
- Go to the Freedom First 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.
How can I manage disputes through Tap2Local?
Merchants can manage customer disputes directly in the Freedom First 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 dots/ellipses) and tap Disputes.
- A list of active and completed disputes displays.
- Tap on the transaction in question to view more details.
- If you are expecting the dispute and willing to allow it to go through, tap Accept dispute. If you would like to challenge the dispute, submit your supporting documentation by tapping Submit evidence.