Apple Pay is now used by over 500 million people worldwide, and the number keeps growing. When a customer reaches for their iPhone or Apple Watch to pay, you want to be ready. Here's everything Clover merchants need to know about accepting Apple Pay in 2025.
Does Clover Support Apple Pay?
Yes — most modern Clover hardware supports contactless (NFC) payments, which includes Apple Pay, Google Pay, and Samsung Pay. If your Clover device has a contactless reader (the tap symbol), you can accept Apple Pay in person right now.
For remote payments — where a customer isn't physically in your store — Apple Pay is available through LumenPaid's payment link checkout. When a customer opens your payment link on their iPhone, they'll see the Apple Pay button and can complete the transaction with Face ID or Touch ID in seconds.
In-Store: Apple Pay on Clover Hardware
If your Clover device already has NFC capability (Clover Station Duo, Clover Mini, Clover Flex, Clover Go), Apple Pay works out of the box — no additional setup required. Your customer holds their iPhone or Apple Watch near the reader, and Clover processes it like any other contactless payment.
- Clover Station Duo — NFC enabled on customer-facing screen
- Clover Mini — NFC enabled on device screen
- Clover Flex — NFC enabled (handheld, great for tableside payments)
- Clover Go — NFC enabled on the card reader
If you're unsure whether your Clover device supports NFC, look for the contactless payment symbol (four curved lines) on the card reader. If it's there, Apple Pay is supported.
Remote: Apple Pay Through LumenPaid Payment Links
This is where LumenPaid adds significant value. When you send a payment link to a customer, and they open it on their iPhone, the checkout page automatically displays an Apple Pay button. The customer taps it, authenticates with Face ID or Touch ID, and the payment is processed — no card number entry required.
This makes remote payment faster and safer for your customers. It's also more likely to convert — Apple Pay checkout reduces the friction of typing card details on a mobile screen.
Step-by-Step: Enabling Apple Pay in LumenPaid
- Connect LumenPaid to your Clover account (takes about 2 minutes).
- Apple Pay is enabled by default in LumenPaid's checkout — no additional configuration needed.
- Create a new invoice or payment link as normal.
- Send the link to your customer via email, or copy it to share directly.
- On iPhone or Mac with Touch ID, your customer will see the Apple Pay button automatically.
- They authenticate and pay. Done — funds settle to your Clover account.
Why Apple Pay Increases Your Conversion Rate
- One-touch payment — no card number, expiry, or CVV to type
- Customers trust Apple Pay's privacy model (card number never shared with merchant)
- Works offline from their saved cards — even without a wallet nearby
- Face ID / Touch ID makes it faster than any other checkout method
- Apple Pay checkout reduces cart abandonment by up to 50% on mobile
Apple Pay vs. Traditional Card Entry: Which Is Faster?
On a mobile device, typing a 16-digit card number, expiry date, and CVV takes an average of 40 seconds — and introduces friction that causes customers to abandon checkout. Apple Pay takes 3 seconds. For remote payment links shared with customers, that speed difference is the difference between getting paid today and chasing payment tomorrow.
Does accepting Apple Pay cost more than regular card payments?
No — Apple Pay is processed through the same payment network as regular card transactions. Your processing rate is the same as any contactless Visa, Mastercard, or Amex payment.
Can Android customers also pay through LumenPaid links?
Yes. Android customers will see Google Pay on compatible devices, and any customer can always pay by entering card details manually.
Is Apple Pay available for in-person Clover payments without LumenPaid?
Yes — in-person Apple Pay works natively on any NFC-enabled Clover device without LumenPaid. LumenPaid adds Apple Pay to your remote payment links and digital invoices.