Can I take card payments on my phone without a terminal in Canada?
Short answer
Yes. With Tap to Pay on iPhone, a compatible iPhone accepts contactless credit cards, Interac debit, Apple Pay and Google Pay with no extra hardware. Flow has Tap to Pay built in: 2.7% + 20¢ per credit tap and 30¢ flat per Interac tap.
- What you need: a compatible iPhone and the Flow app, plus a connected Stripe account.
- Tips and receipts: add a tip at checkout and text the client a receipt.
- No reader to buy: Flow is phone-only, so there's no hardware cost.
Interac at 30¢ flat is cheaper than a percentage rate on any sale above about 31 dollars, which covers most haircuts and services.
Everything in Flow
- Bookings: online booking page, calendar, staff assignment and real-time availability.
- Clients: full client history and lifetime value, plus automatic segments on Pro and up: New, Loyal, VIP, Overdue, Churn Risk.
- Team: staff profiles, availability, invitations and performance.
- Tap to Pay: take credit and Interac on an iPhone. No card reader to buy.
- Canadian sales tax: GST, HST, PST, RST and QST for all 13 provinces and territories, applied on the final bill.
- AI Front Desk: answers client questions and books appointments while you work.
- Daily Brief: each morning, today's bookings, yesterday's revenue, AutoPilot activity and what needs your attention.
- AutoPilot: No-Show Recovery about an hour after a missed appointment, Last-Minute Slot Filler, win-backs, rebooking reminders and birthday offers, with the revenue it recovered.
- Flow Coach: AI coaching on what to change to grow revenue.
- Business Health Score: one number that tracks how your business is doing, with what's moving it.
- Revenue forecasting: see next month's revenue before it happens.
AI Front Desk and the Daily Brief come with Pro. AutoPilot, Flow Coach, the Business Health Score and revenue forecasting come with Pro+. See plans.
No card required. Full Pro+ access during the trial. Set up in under a day. We'll move your clients over for you.