Jim gives you two ways to take a sale:
Tap to Pay for in-person
Payment Link (and Website / Booking checkout) for remote
Same app, same balance, same Jim Card. Here's how each one works.
What you need before you start
An iPhone or Android phone with NFC and up-to-date software
The Jim app installed
A Jim account with an approved seller profile
A data connection (Wi‑Fi or cell)
No card reader, no terminal, nothing else to buy. Minimum sale amount is $1.
Sell in person with Tap to Pay
Open the Jim app.
On Sell, enter the sale amount ($1 minimum).
Tap Charge.
Choose Tap to Pay.
Set any options you need (fees, tip, tax, description). See below.
Tap Charge.
Have your customer tap their card, phone, or smartwatch on your device.
When the sale shows Approved, tap Share receipt if you want to send one.
Accepted networks: Visa, Mastercard, American Express, Discover, and JCB.
Accepted wallets: Apple Pay, Google Pay, and Samsung Pay.
Fee: 1.99% per tap, flat.
Sell remotely with a Payment Link
Open the Jim app.
On Sell, enter the sale amount ($1 minimum).
Tap Charge to open the Current sale sheet.
Choose Payment Link.
Set any options you need (fees, tip, tax, description, link reuse). See below.
Tap Charge to create the link.
Share the link by text, email, DM, or any messaging app.
Your customer opens the link and pays with their card or digital wallet. They don't need the Jim app.
Fee: 4.99% + $0.30 per sale.
Security: 3D Secure may ask your customer for an extra verification step from their bank.
Website and Booking checkouts use the same remote rate (4.99% + $0.30) when the customer pays online. For a deeper walkthrough of links, 3DS, and customer checkout, see How to use Jim's Payment Link?.
Customize the sale on Current sale
Before you tap Charge, configure the sale on the Current sale sheet. Totals update as you change settings.
Transfer fees to customer (fee pass-through)
You choose who covers the processing fee on each sale. Turn Transfer fees to customer on or off anytime before you Charge:
On: Jim adjusts the total so your customer covers the fee. You keep closer to the amount you entered.
Off: Your customer sees the price you entered. The fee comes out of your payout.
Available on Tap to Pay and Payment Link. Check the amount being charged and what you'll receive before you Charge.
Once the customer pays, that fee choice is locked for that sale.
Add a tip
Turn on Add a tip when you want to invite a tip on that sale. Works with Tap to Pay and Payment Link.
Your customer can pick a suggested amount, enter a custom tip, or skip. The tip is added to the same transaction. There is no extra tipping fee. The rate for that sale type applies to the total, including tip (1.99% for Tap to Pay; 4.99% + $0.30 for Payment Link).
You can also adjust tip preferences in the app so suggested amounts match how you work.
Add sales tax
Use Add sales tax on the Current sale when you need tax on that charge.
Add a description
Add a short note to the sale. It can show on the receipt and in your sales history.
Allow link reuse (Payment Link only)
When you're on Payment Link, turn on Allow link reuse if you want the same link to work for more than one payment. Leave it off for a one-time link.
Fees at a glance
How you sell / move money | Fee |
Tap to Pay | 1.99% per sale |
Payment Link / Website / Booking (online) | 4.99% + $0.30 per sale |
Jim Card | Free |
Same Day ACH to your bank | 1.99% + $0.99 per transfer ($15 minimum) |
No monthly fee to use Jim. You only pay when you sell (or when you cash out by ACH).
Where your money goes
Both Tap to Pay and Payment Link land in the same place: your Jim balance, in seconds.
Spend with the Jim Card (free).
Add your virtual Visa prepaid card to Apple Wallet or Google Wallet and tap to pay anywhere those wallets are accepted, or use the card details online anywhere Visa is accepted.
Move it to your bank with Same Day ACH (optional). 1.99% + $0.99 per transfer, $15 minimum. Same business day if you send it during business hours. You don't need a bank account to use Jim.
Which one should I use?
You're selling… | Use |
Face to face, at the counter, on the job | Tap to Pay |
Over text, email, Instagram, WhatsApp | Payment Link or Website |
A deposit before an appointment | Payment Link / Booking |
The balance at the appointment | Tap to Pay |
You can mix and match. Same balance, same Jim Card, same app.
Sales limits and security review
Jim doesn't set a fixed sales cap. There is no daily, weekly, monthly, or per-transaction maximum. The only minimum is $1 per sale.
Every sale goes through an automatic security review before it's approved. Based on that check, the sale can be approved normally or declined if something unusual is detected.
Don't confuse this with Jim Card spending limits (how much you can spend from your balance). Those are separate from how much you can take in.
If a sale is declined: You can't appeal it. Try the card again, ask for another card, or send a Payment Link instead.
Can I type in a customer's card number?
No. Not inside the Jim app for Tap to Pay. For security and PCI compliance, you can't manually enter a customer's card number, expiration date, or CVV in the app.
In person: Use Tap to Pay (NFC).
Remote / no contactless card: Send a Payment Link. Your customer enters their card details on Jim's secure checkout page (or pays with Apple Pay / Google Pay / Samsung Pay).
Need more help?
Human support is available Monday to Friday, 9am–5pm EST.
Chat: in the app
Phone: +1 833 315 2573
Email: help@jim.com
✨ Talk to Jim, our AI smart help, available 24/7.