Press Release

Mastercard Pioneers Cloud Tap on Phone, its First Pilot of Cloud Point of Sale (POS) Acceptance Technology

January 11, 2021 | PURCHASE, NY
  • Mastercard and its partners move services to the cloud, democratizing access to payments technologies.
  • Move unlocks opportunities for partners worldwide to enable contactless payments acceptance via a mobile phone.

Mastercard has partnered with NMI and Global Payments Inc. to launch its first live Cloud Tap on Phone pilot with Computer Engineering Group (CEG), a Napa, Calif.-based independent IT Services provider. Cloud Tap on Phone is one of Mastercard’s innovative next generation acceptance products, with the software hosted on Microsoft’s Azure cloud platform.

Mastercard has been spearheading the transition to contactless payments for years. The demand for faster, more convenient, safe, and now cleaner ways to pay has driven the transition to contactless, and it’s a one-way street with touch-free experiences expected to be permanent for consumers and businesses even after the pandemic ends. In fact, in the third quarter of 2020, contactless penetration represented 41% of in-person purchase transactions globally, up from 37% in the second quarter and 30% a year ago.

With Tap on Phone, any business – regardless of size - can deliver new and best-in-class contactless consumer experiences using a device they already own: a smartphone. Tap on Phone democratizes point-of-sale technology by turning an Android smartphone or tablet into an acceptance device, allowing businesses to accept contactless payments minimizing the need to invest in hardware terminals or extra features. Merchants can offer enhanced and accelerated curbside pick-up or payment on delivery, or provide faster line-skipping checkout in-store, options that are increasingly important as consumers look to touch-free cash alternatives.

With the introduction of Cloud Point of Sale (POS), Mastercard is enhancing its Tap on Phone product and empowering ecosystem partners to develop their own cloud-based products with new tools and capabilities. Cloud POS moves key parts of the acceptance software – the components1 which enable the processing of contactless transactions and certain security functions - from the individual smartphone to the cloud, offering robust security, reducing development and maintenance costs, and creating scalable distribution channels by allowing immediate connectivity to partners. Cloud POS also becomes a new channel for Mastercard and our partners to bring value added services to customers and businesses.

Mastercard will make its pre-certified Cloud POS software development kits (SDKs) openly available in multiple cloud environments, encouraging solution providers, fintechs, acquirers and processors to innovate and co-create new cloud-first products. Mastercard’s pilot with CEG represents the first live deployment of Mastercard Cloud Tap on Phone anywhere in the world. 

“We continue to see an accelerating shift to digital payments, with businesses of all sizes wanting to provide swift, secure, compelling point-of-sale experiences. Cloud POS enables us to make these experiences available to our partners with greater speed and efficiency,” said Milan Gauder, Global Head of Mastercard’s Acceptance Solutions Group. “Our partners are the center of everything we do, and our trusted technology powers innovative experiences, choice, flexibility and certainty, creating the products they need. Mastercard’s Cloud Tap on Phone delivers on our promise of ground-breaking products and innovation.”

Mastercard has convened an ecosystem of partners to launch Cloud Tap on Phone.

  • Leading payments enablement technology company NMI operates as a key integration partner and distributor.
  • Global Payments, a leading worldwide provider of payment technology and software solutions, will provide point of sale acceptance technology.
  • Continuing the company’s commitment to empower small businesses, CEG, an independent IT services company from California, serviced by an ISO BNG Payments, becomes the first company to pilot Mastercard’s Cloud Tap on Phone.

Development of Cloud POS technology and the Cloud Tap on Phone product has been spearheaded by Mastercard Labs, the company’s new product development arm. The company’s pilot with CEG follows live product testing on Mastercard’s own Purchase, N.Y. campus. Cloud POS is a product of Mastercard’s multi-cloud strategy, meeting businesses, consumers, financial institutes and partners in the cloud with innovative applications and services. The company will conduct further Cloud Tap on Phone pilots and commercial deployments in other markets in 2021.  Currently, Mastercard’s Tap on Phone solution is in 16 markets across Europe, Asia Pacific, Latin America, North America and Middle East & Africa. Pilots are taking place with partners in Costa Rica, Hong Kong, Poland, Kazakhstan, Romania, Canada, Belarus, Russia, Turkey, United Kingdom, among other countries. 

Notes to Editors:

What Our Partners are Saying

"Tap on Phone technology perfectly complements the acceleration of contactless payments in the U.S. market. This is a ground-breaking step in creating a world that enables merchants to turn their smartphones into a payment acceptance device without the need of an externally paired physical card reader.” - Nick Starai, Chief Strategy Officer, NMI

“The pandemic has permanently shifted the way global commerce operates, forcing companies to respond to increased demands for safe commerce solutions, such as mobile ordering and contactless payments. These waves of innovation will continue to accelerate, driving more and more technological advances across the payments industry. As an innovation leader in the payments industry, we are proud to partner with Mastercard on the new Cloud POS acceptance technology solution that will better equip merchants of all sizes to provide a faster, safer and more secure experience to help better serve consumers and their preferences for more advanced digital commerce solutions.” - Jim Egbert, Senior Vice President, Business Development & Strategic Partnerships, Global Payments

“CEG is very excited with the opportunity to work on the Mastercard pilot program. We are looking forward to using the contactless tap on phone technology to enhance our service experience with our retail customers. As a technology company we are always interested in exploring ways to stay at the cutting edge of technology development for our business and our IT customers. The Mastercard Tap on Phone program fits the bill!” - Eric Ross, General Manager, Computer Engineering Group (CEG)

"We have been selling and supporting a wide range of mobile POS software and hardware solutions since the inception of mPOS. BNG Payments is constantly striving to increase our support excellence, and one way to do this is to find new and innovative ways to minimize hardware and software issues. With traditional solutions, we are relying on Bluetooth or audio jack connected credit card acceptance devices that are all prone to connectivity issues between the device and smartphone, causing merchants to have transaction issues and down time. With Cloud Tap on Phone, we are reducing potential failure points to just a smartphone and data connection as well as reducing upfront cost by eliminating the need for additional hardware. This will be the future of mobile card-present transactions, and I am happy to see that merchants and cardholders stand to gain the most from this innovation." – Ryan Theis, Chief Strategy Officer, BNG Payments



[1] An EMV Kernel is a set of interface routines, security and control functions, and logic defined in EMVCo Standard (, to interact with a contact or contactless payment device, for instance a card or mobile, and retrieve the necessary data for the transaction authorization.

Media Contacts

Katie Priebe, Mastercard
+1 (914) 707-9822 |

About NMI:

NMI is one of the world’s leading card payment gateways, processing over 1.2 billion transactions a year from retail POS, e-commerce and self-service terminals. Our mission is to use our expertise to enable more payments, in more ways, and in more places, all with the utmost security and reliability. To do this, we provide ISOs, fintech innovators, and technologists with the software tools to easily work with us. It gives them the freedom to focus on what they do best, liberates them from restricted payment methods, and gives them access to the latest payment technology now and in the future. Our team spans the globe and has a twenty-year track record of delivering innovative payment solutions across specific retail sectors and has unparalleled experience in EMV technology.


About Global Payments:

Global Payments Inc. (NYSE: GPN) is a leading pure play payments technology company delivering innovative software and services to our customers globally. Our technologies, services and employee expertise enable us to provide a broad range of solutions that allow our customers to operate their businesses more efficiently across a variety of channels around the world.

Headquartered in Georgia with nearly 24,000 employees worldwide, Global Payments is a member of the S&P 500 with worldwide reach spanning over 100 countries throughout North America, Europe, Asia Pacific and Latin America. For more information, visit and follow Global Payments on Twitter (@globalpayinc), LinkedIn and Facebook

About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.