Tap to Pay is Disrupting Australia’s Payments Game

A New Way to Pay, Shaped by Everyday Needs

Across Australia, the way we pay for things is changing fast. Tap to Pay technology, powered by NFC and supported by mobile-based platforms like SoftPOS, is no longer just a convenience. It is becoming the default for many businesses and customers alike.

While this trend has been growing globally, especially in the UK and Europe, we are now seeing the same momentum locally. In this shift, Nexxtap is proud to play a small but important role in supporting Australian businesses. We are not the only ones driving change, and we are certainly not the biggest name in payments, but we are committed to offering a local, accessible, and honest alternative for businesses that want more flexibility.

What’s Driving the Tap to Pay Momentum?

According to Mastercard (2024), real-time transactions are expected to represent 27 percent of all electronic payments globally by 2028. At the same time, mobile wallets and contactless payments are continuing to replace traditional card and cash methods (Juniper Research, 2024). Australians, known for their openness to digital payments, are quickly adopting these new tools.

In practice, this means more businesses are looking for solutions that are mobile, cost-effective, and simple to use. Tap to Pay and SoftPOS systems are helping to meet that need by enabling smartphones to accept payments directly, without the need for extra hardware.

Some of the key factors influencing this shift include:

• People expect speed and convenience when they shop or pay for services (Plaid, 2024)

• Small businesses want more control over how they take payments, without high upfront costs

• Cash use is declining, and customers are tapping more than ever before (McKinsey & Company, 2024)

• Security remains critical, and newer payment technologies offer greater peace of mind

  

Nexxtap: Built for Australia, Backed by Real Conversations

Nexxtap was created to help everyday Australian businesses accept payments in a way that suits them. We are a Brisbane-based fintech company offering a SoftPOS app that allows businesses to use their Android phones to take payments on the spot. It is simple, secure, and designed to work around the way business is actually done.

We understand that there are plenty of global companies doing impressive things in this space. We respect that. Our aim is not to compete with the giants. Instead, we focus on supporting Australian business owners who are looking for a solution that is local, transparent, and affordable.

Here is what makes Nexxtap a good fit for businesses here:

• 1.25 percent flat transaction fee with no hidden costs

• No terminals or dongles required

• Instant Tap to Pay functionality on compatible Android devices

• Straightforward setup through the Google Play Store or our website

We believe in giving small and mobile businesses the freedom to accept payments anywhere, whether that’s a market stall, a tradesite, or a pop-up event.

Where Nexxtap Fits in Today’s Fintech Environment

The broader fintech space in 2025 is full of exciting developments, from real-time payments and AI-driven security tools to embedded finance and open banking. Nexxtap’s place within this space is modest, but clear. We help businesses who are ready to embrace contactless payments without having to overhaul their operations.

We are continually listening to feedback and working closely with our users to improve the product. The payment space is changing rapidly, so we focus on staying adaptable and helpful.

A Thoughtful Approach to Aussie Innovation

It is easy to get caught up in the hype of new technology. But at Nexxtap, we try to keep things grounded. Our focus is on building something that works for real businesses, not just tech demos or headlines.

Australia has a strong tradition of innovation, and we are grateful to be contributing to that legacy in our own way. We know that we are not alone in this journey, and we’re always learning from others in the industry. That said, we are proud to offer a solution that reflects the values and needs of Australian businesses.

We also believe that payment systems should not be intimidating or expensive. They should be easy to use, flexible, and built for everyday use. That is what we aim to deliver.

What This Means for Business Owners

If you are a small business owner or operator, there are a few important takeaways from this shift to Tap to Pay technology:

• You can accept secure payments from your phone without relying on traditional terminals

• You do not need to spend hundreds on hardware or long contracts

• You can stay mobile and take payments where your business operates

• You can support a locally owned and developed fintech solution

We are not claiming to have all the answers, but we are here to help make payments simpler. Whether you are selling coffee at a weekend market or fitting out lighting for a new build, Nexxtap helps ensure you get paid quickly, reliably, and professionally.

Closing Thoughts

The Tap to Pay trend is just one part of a much larger movement toward faster, safer, and more accessible payments. Nexxtap is proud to be part of that story here in Australia.

We will continue to listen, improve, and support businesses that are ready to take the next step in their payments journey. If you are curious about Tap to Pay, or just want a payment option that keeps things simple, we would love to chat.

Because in the end, your business should work the way you want it to. And your payments should too.

Ready to Nexxtap it?
Find us on the Google Play Store or visit www.nexxtap.com to get started.

References

FinTech Australia. (2024). 6 trends shaping business payments in 2025 – An article by Spenda. https://www.fintechaustralia.org.au/newsroom/6-trends-shaping-business-payments-in-2025-an-article-by-spenda

Juniper Research. (2024). Top 10 fintech and payments trends for 2025. https://www.juniperresearch.com/media/sfxmguex/top-10-fintech-payments-trends-2025.pdf

Mastercard. (2024). 10 top payment trends for 2025 and beyond. https://www.mastercard.com/news/perspectives/2024/10-top-payments-trends-for-2025-and-beyond/

McKinsey & Company. (2024). Fintechs: A new paradigm of growth. https://www.mckinsey.com/industries/financial-services/our-insights/fintechs-a-new-paradigm-of-growth

Plaid. (2024). Fintech trends report. https://plaid.com/resources/fintech/fintech-trends/

PwC. (2024). Payments 2025 and beyond. https://www.pwc.com/sg/en/financial-services/fintech/payments-2025-and-beyond.html