Your phone is the terminal.

moter turns your phone into a fully compliant payment terminal. Accept tap to pay in seconds, with no card reader, no dock, no extra hardware.

iOS and Android PCI MPoC certified No hardware

Three taps to accepting payments.

Today
$1,284.50
12 transactions, settles tomorrow
Visa •••• 8821
2:14 PM
$48.00
Apple Pay
1:42 PM
$22.50
Mastercard •••• 0019
12:55 PM
$112.00
New charge
STEP 01

Open the app

Your dashboard shows today's totals, recent transactions, and a single button to start a new charge.

CHARGE
$42.00
1
2
3
4
5
6
7
8
9
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0
Charge $42.00
STEP 02

Enter the amount

Type the total on the keypad and hit charge. The amount appears in big numbers above so both you and the customer can see it.

TOTAL
$42.00
Ready to tap
Hold card or device near phone
STEP 03

Tap. Done.

Customer taps card, phone, or watch. Approved in seconds, receipt sent by text or email, money in your account the next day.

If you take payments in person, you can use moter.

Built for anyone who works face to face with customers. Same app, same simplicity, whether you're solo or running a team.

Independents

Freelancers, contractors, mobile services. Get paid on the spot without a clunky reader.

On-site teams

Delivery, install, repair, and house calls. Close the sale before you leave the driveway.

Markets and events

Fairs, pop-ups, tournaments, fundraisers. Set up in seconds anywhere there's a signal.

Storefronts

Use moter as a backup terminal, a line-buster, or a full replacement for legacy POS.

Everything a terminal does. None of the terminal.

A full payment acceptance stack that lives inside an app. Onboard, accept, refund, report, and settle, all on the phone you already carry.

Tap to pay, native

Built directly on Apple Tap to Pay and Android Cloud Commerce. Customers tap their card, phone, or watch against yours and the transaction is done.

Straightforward boarding

Sign up from your phone. No paper applications, no in-person meetings, no friction.

Every card, every wallet

Visa, Mastercard, Amex, Discover. Apple Pay, Google Pay, Samsung Pay. Contactless EMV with full liability shift.

Next-day deposits

Money in your bank account the next business day, standard. Faster payout options available for established accounts.

Compliant by default

PCI MPoC certified. End-to-end encryption, tokenization, device attestation, built to the highest mobile acceptance standard.

Built-in reporting

Real-time transactions, daily settlement summaries, and downloadable reports. Everything you need at tax time.

Built for the way money actually moves.

0
Hardware required
2.9%
Per tap, flat rate
T+1
Standard funding

Your phone, the terminal.

Download moter, verify your identity, and start accepting payments. No commitment, no hardware.

Download for iOS Download for Android