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Tap to Pay on merchants iphone or Android phone, means business will never run out of service due to a system down situation.
The following requirements and restrictions apply to using Tap to Pay on iPhone:
from app settings, go to payments/ choose tap to pay
Sending invoices, to customers, makes a great tool to avoid the liability of asking for customers card numbers, expiration or cvv. sending invoices from the app, enable your customer to enter his card data on his own.
To avoid dispute however, is would be a good idea to cummunicate payment forms signed with customers first before allowing them to pay by sending them the pay invoice link.
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