Enable Tap to Pay on iPhone in your Stripe Dashboard and request the Apple Tap to Pay entitlement for your developer account.
Add the Stripe Terminal iOS SDK (v4 or later) via Swift Package Manager; the minimum supported iOS version is 15.0 for SDK v5, while Tap to Pay itself requires iOS 16.0 or later on iPhone XS or newer (US).
Build a `SCPTapToPayConnectionConfiguration` with your location ID and a `SCPTapToPayReaderDelegate`; do not use the removed `connectLocalMobileReader` method.
Call `Terminal.shared.discoverReaders` with `SCPDiscoveryMethodTapToPay` discovery method, then call `connectReader(_:connectionConfig:completion:)` with the discovered reader.
Create a PaymentIntent server-side, call `collectPaymentMethod` then `confirmPaymentIntent` on the client to complete the payment.
Handle PIN entry only for devices running iOS 16.4 or later; auto-reconnection is enabled by default in SDK v4 via `SCPTapToPayReaderDelegate`.
Known gotchas
The iOS version floor for Stripe Tap to Pay on iPhone is 16.0 in the US; other regions (AU, UK) require 16.4; France and Netherlands require 17.0. Do not apply another vendor's floor to Stripe.
SDK v4 renamed `SCPDiscoveryMethodLocalMobile` to `SCPDiscoveryMethodTapToPay` and consolidated all reader connection methods into a single `connectReader`; using the old method names will cause compile errors.
The Apple Tap to Pay entitlement must be requested separately for test and live environments and requires an organization-level Apple developer account.
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