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Pludor Smart Terminal: tap to pay on a spare Android phone

Updated 1 October 2026 · Pludor team · 2 sources

Pludor Smart Terminal is a standalone app that turns any spare Android phone into a Stripe Tap-to-Pay or QR-code payment terminal, so a seller can accept in-person card payments without buying separate hardware.

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A physical card-payment terminal costs money and is one more piece of hardware to manage, when most sellers already carry a smartphone.

What you need

How to do it

How do I start using Smart Terminal?

5 steps, in this order. Each one is explained in the step-by-step guide.

  1. Connect Stripe
  2. Install Smart Terminal
  3. Pair with your store
  4. Take a payment
  5. Reconcile

Common questions

How can I accept card payments in person without buying a card reader?

Use Tap-to-Pay on a smartphone instead of a separate terminal. Pludor Smart Terminal is a standalone Android app that turns any spare NFC-capable Android phone into a Stripe Tap-to-Pay or QR-code payment terminal, so no extra hardware is needed. Just connect Stripe, install the app, and pair it with your store's POS.

What is Pludor Smart Terminal?

It's a standalone app that turns any spare Android phone into a Stripe Tap-to-Pay or QR-code payment terminal. That lets a seller accept in-person card payments without buying separate hardware. It runs alongside Pludor's web POS and is aimed at market vendors, pop-up shops and small in-person retailers.

How do I set up Pludor Smart Terminal step by step?

First create a free Pludor store at pludor.com/setup, then connect your Stripe account in Settings. Install the Smart Terminal app on a spare NFC-capable Android phone, sign in and pair it with your store's POS. Then ring up sales in POS - the customer taps their card on the phone or scans the QR code, and payments show up in Finance and the end-of-day report.

Do I need a special card reader or terminal hardware to take tap payments?

No. Smart Terminal uses the Tap-to-Pay technology built into the Android phone itself, so no separate card-reader hardware is required. The only requirements are an NFC-capable Android phone and a connected Stripe account. There's also a QR-code payment option if a customer prefers to scan instead of tap.

How much does it cost to use a phone as a card terminal?

Pludor Smart Terminal is on for every store, including the Free plan - you get a free amount every month and then pay only for what you use, where 1 credit equals 1 cent. Stripe's card processing fees apply per payment, charged separately by the processor. New stores also get 500 free credits to start.

Can I use an iPhone to take tap-to-pay payments with Pludor?

No - Pludor Smart Terminal is an Android app and Tap-to-Pay requires an NFC-capable Android phone. If you don't have a spare Android phone, you can still take in-person payments via the QR-code option, where the customer scans a code and pays on their own device. You could also use the web POS on a tablet or computer for counter sales.

Can I take cash and card payments at a market stall from the same system?

Yes. Pludor's Point of Sale (POS) handles both cash and card at the counter, and it syncs with your online store. Open POS from the Core Commerce menu, add staff PINs so each sale is attributed correctly, and ring up sales as cash or card. At closing, run the end-of-day report to reconcile cash and card totals.

Is it safe to take card payments on my personal phone?

Payments are processed through Stripe, a established payment processor, rather than stored by the terminal app itself - the phone just acts as the tap reader. Pludor also lets you install Smart Terminal on a spare phone, so you can keep it dedicated to selling rather than using your personal device. You can review each payment, the fee deducted and your payouts in the Finance section.

How do I test that my in-person payments are working before a real sale?

Place a test order yourself: buy one of your own products to see the full checkout flow and the confirmation email. Also confirm your store currency and country in Settings and check that Stripe is connected. After a real sale, verify the payment appears in Finance and in the POS end-of-day report.

What are the limitations of using a phone instead of a card machine?

Tap-to-Pay requires an NFC-capable Android phone and a connected Stripe account, and Stripe's card processing fees apply per payment. On Pludor, Smart Terminal is on for every store including the Free plan, with a free monthly amount and then pay-as-you-go credits. If you want printed receipts or a cash drawer, you can optionally connect a receipt printer and cash drawer in the POS hardware settings.

Do I need to buy a card reader to use Smart Terminal?

No - it uses Tap-to-Pay technology built into the Android phone itself, so no separate card-reader hardware is required.

Who is Pludor Smart Terminal for?

Market vendors, pop-up shop owners, small in-person retailers, anyone who wants a card terminal without buying hardware.

What problem does Pludor Smart Terminal solve?

A physical card-payment terminal costs money and is one more piece of hardware to manage, when most sellers already carry a smartphone.

How much does Pludor Smart Terminal cost?

On for every store, including the Free plan - a free amount every month, then pay only for what you use (1 credit = 1 cent).

How do I get started with Pludor Smart Terminal?

1. Connect Stripe 2. Install Smart Terminal 3. Pair with your store 4. Take a payment 5. Reconcile Full step-by-step guide: pludor.com/tutorials/smart-terminal

What are the limitations of Pludor Smart Terminal?

Tap-to-Pay requires an NFC-capable Android phone and a connected Stripe account. On for every store; Stripe card processing fees apply per payment.

Going further: scale and grow

What you get

Stripe Tap-to-Pay support. QR-code payment option. Runs as its own dedicated Android app alongside the main web POS.

What comes out of it

In-person card payments processed via Stripe Tap-to-Pay or QR code.

Who it is for

Market vendors, pop-up shop owners, small in-person retailers, anyone who wants a card terminal without buying hardware.

Good to know

Tap-to-Pay requires an NFC-capable Android phone and a connected Stripe account. On for every store; Stripe card processing fees apply per payment.

Works well with

Point of Sale (POS): a web POS for counter sales, cash and card, synced with your online store. Checkout & Payments: card, Apple Pay, Google Pay, wallet and QR payments with payouts to your bank. Online Store: a branded storefront with products, services, cart and checkout.

Step-by-step guide

Every step, in order: How to use Smart Terminal.

Doing this on Pludor

On for every store, including the Free plan - a free amount every month, then pay only for what you use (1 credit = 1 cent).

  • Stripe Tap-to-Pay support
  • QR-code payment option
  • Runs as its own dedicated Android app alongside the main web POS

Free to start - no card, no item limit. Pay only for what you use past the monthly free amounts.

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Sources

  1. Pludor facts (features, plans and limits)
  2. Pludor pricing

Checked 1 October 2026. Fees and rules change; follow the links for the latest.

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