Is Tapaya a myPOS alternative?

Yes, on both sides. As a merchant, Tapaya's own app works on the phone or tablet you already own, from 1.39% blended with no monthly or hardware fees. As a software company, Tapaya is also a white-label SDK you can embed under your own brand, something myPOS doesn't offer at all. myPOS is aimed at small businesses that want a ready-made reader and business account under its own brand.

Do I have to be a software company to use Tapaya?

No. Tapaya works for direct merchants too: sign up, verify your business, and start taking Tap to Pay on the phone or tablet you already own, no new hardware, approved in about 48 hours. The same underlying infrastructure is also available as an SDK for software companies that want to embed payments into their own product, it's one platform serving both audiences, not two separate products.

Can I rebrand myPOS as my own payments product?

myPOS is designed as its own end-to-end merchant product, not as white-label infrastructure to resell under your brand. Tapaya is built specifically for that: the payment flow renders inside your app, themed to your brand.

What devices does each support?

Tapaya runs on any commercial Android device, including tablets, kiosks and enterprise handhelds. myPOS centres on its own terminals and readers plus its SoftPOS app on supported Android devices in available markets.

All comparisonsUpdated 2026-08-25

ComparisonSMB card reader & business account

Tapaya vs myPOS

myPOS is a card reader and business account for small businesses, with instant settlement. Tapaya works for both sides of that trade: merchants take Tap to Pay on the phone or tablet they already own, and software companies embed the same infrastructure under their own brand.

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At a glance

How Tapaya and myPOS differ

myPOS and Tapaya both serve merchants directly. myPOS sells a reader bundled with its own business account and instant settlement. As a direct merchant, Tapaya works on the phone or tablet you already own, from 1.39% blended, with no monthly fee, no hardware to buy and no lock-in, approved in as little as 48 hours (payouts land on D+2). Tapaya also goes one step further: the same infrastructure is available as a white-label SDK, so a software company that wants to embed in-person payments into its own product, rather than sending merchants to a separate app, can do that too, something myPOS doesn't offer.

Tapaya compared with myPOS
Capability	Tapaya	myPOS
Who it's built for	Direct merchants who want to take payments on a device they already own, and software companies that want to embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP).	Small businesses that want an all-in-one merchant solution with a reader and a built-in business account.
Embeddable under your own brand	Fully white-label, your app, your UI, your name end to end. Customers never see Tapaya.	myPOS is the brand and the product; it isn't designed to be resold as your own payments product under your brand.
Supported devices	Any commercial Android device, phones, tablets, kiosks and enterprise handhelds, using hardware you already deploy.	myPOS card terminals and readers, plus its SoftPOS app (Tap to Pay on supported Android devices) in available markets.
Path to embedding payments	The same infrastructure is available as a white-label SDK, so if you ever want to embed payments into your own product instead of using the app directly, you can, under your own brand.	No white-label or embeddable option; myPOS is a closed merchant product.
Funds & settlement model	Payouts land on D+2, with no monthly fee and no lock-in; a software company embedding the SDK keeps ownership of the payment experience and customer relationship.	Includes a built-in myPOS business account with instant settlement of funds to the merchant.
Certification, PCI & compliance	Card-network certification, acquiring and per-market compliance come pre-integrated under the SDK so you can ship a payments product.	Handled by myPOS as part of its merchant product.
Best fit	You're a merchant who wants transparent pricing and no lock-in on a device you already own, or a software company that wants the same infrastructure under your own brand, Tapaya works for either.	You're a small business that wants an all-in-one reader and account, with money settled instantly.

Who it's built for
Tapaya
Direct merchants who want to take payments on a device they already own, and software companies that want to embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP).
myPOS
Small businesses that want an all-in-one merchant solution with a reader and a built-in business account.
Embeddable under your own brand
Tapaya
Fully white-label, your app, your UI, your name end to end. Customers never see Tapaya.
myPOS
myPOS is the brand and the product; it isn't designed to be resold as your own payments product under your brand.
Supported devices
Tapaya
Any commercial Android device, phones, tablets, kiosks and enterprise handhelds, using hardware you already deploy.
myPOS
myPOS card terminals and readers, plus its SoftPOS app (Tap to Pay on supported Android devices) in available markets.
Path to embedding payments
Tapaya
The same infrastructure is available as a white-label SDK, so if you ever want to embed payments into your own product instead of using the app directly, you can, under your own brand.
myPOS
No white-label or embeddable option; myPOS is a closed merchant product.
Funds & settlement model
Tapaya
Payouts land on D+2, with no monthly fee and no lock-in; a software company embedding the SDK keeps ownership of the payment experience and customer relationship.
myPOS
Includes a built-in myPOS business account with instant settlement of funds to the merchant.
Certification, PCI & compliance
Tapaya
Card-network certification, acquiring and per-market compliance come pre-integrated under the SDK so you can ship a payments product.
myPOS
Handled by myPOS as part of its merchant product.
Best fit
Tapaya
You're a merchant who wants transparent pricing and no lock-in on a device you already own, or a software company that wants the same infrastructure under your own brand, Tapaya works for either.
myPOS
You're a small business that wants an all-in-one reader and account, with money settled instantly.

One platform, two ways to use it

myPOS sells one thing: a finished reader and business account for merchants, sold under the myPOS brand, with no path from there to a white-label product for a software company that wants to build something bigger. Tapaya works both ways. A merchant can sign up directly and start taking Tap to Pay on a device they already own, at a transparent rate with no lock-in. A software company can embed the same infrastructure as an SDK and present its own branded payment experience instead, with Tapaya handling certification, acquirer connections and per-market compliance underneath either way.

Where each fits

Choosing the right tool

Choose Tapaya when

You're a merchant who wants to take Tap to Pay on the phone or tablet you already own, at a transparent blended rate with no monthly fee, no hardware to buy and no lock-in, approved in as little as 48 hours. Or you're a software company that wants in-person payments to be a native, branded part of your own product. Both run on the same infrastructure, so you're not choosing between the two, you can start as a merchant and later embed if your needs grow.

Choose myPOS when

You're a small business (or selling to individual merchants) that wants an all-in-one package, a reader, a merchant app and a built-in business account with instant settlement, ready to use with minimal setup. You don't need to embed or rebrand the payment experience inside a separate product of your own.

FAQ

Questions, answered

Keep comparing

See how Tapaya stacks up elsewhere

Accurate as of 2026-08-25. Based on publicly available information; all product names and trademarks belong to their respective owners. Comparison based on publicly documented myPOS product capabilities; capabilities and regional availability change over time, verify current details with each provider.