Live transaction volume
Streaming€2.4M
Data & analytics
Every transaction, streamed live.
For acquirers, processors & PSPs
Launch regulated SoftPOS on your own rails.
Tapaya is the SoftPOS deployment infrastructure behind banks, acquirers, PSPs and PayFacs. Plug our PCI MPoC-certified Tap to Pay layer into the acquiring and processing rails you already run, ship it under your brand, and go live in months, not years, without becoming a SoftPOS company yourself.
Your product
Your app
UI / UX & business logic
Your screens, your flows, your brand.
Tapaya Accept SDK
Embedded, plug-in, or white-label
The layer we run
Tapaya cloud
Platform
Merchant platform & analytics
Tower
SoftPOS attestation & monitoring
Your rails
Your acquiring & processing
Card schemes
Visa · Mastercard · Amex · Diners
Acquirer & processor
Your own or preferred rails
Built to pass procurement
- PCI MPoC A&M certified
- DORA ready
- EU-based & regulated
- Mastercard Lighthouse 2026
- ECB Digital Euro G5
The business case
Launch faster, own the upside, carry less risk
A new acceptance revenue line
Put Tap to Pay in every merchant's pocket and open a revenue stream with no terminals to buy, ship or maintain.
Lower certification & operational risk
PCI MPoC, kernel maintenance and device attestation stay with us, so the compliance scope never lands on you.
Months, not an 18-24 month build
Skip the multi-year in-house SoftPOS programme and go live on a certified, maintained layer instead.
Payment rail agnostic
Your acquiring. Your processing. Our SoftPOS layer.
Tapaya never locks you into our rails. Connect the acquirer, processor and schemes you already operate, or the ones you prefer, and keep every merchant, contract and settlement flow on your side. We supply the certified Tap to Pay layer in between.
- Any acquiring host
- Connect over ISO 8583 or REST, no rail lock-in.
- Every major kernel
- Visa, Mastercard, Amex and Diners, certified in the SDK.
- Your settlement flow
- Routing, clearing and payout stay entirely on your side.
Deployment models
Three ways to put it in market
The same certified SoftPOS layer, delivered at the depth that fits your roadmap. Start with our app and move to the SDK later. The rails, the platform and the certification underneath never change.
- 01
White-label app
We build and publish a Tap to Pay app in your brand, on your own store accounts.
Best for
Getting acceptance into merchants' hands without a mobile team.
You build
Nothing. You bring the brand and the rails.
Speed to launchControl over the UI - 02
Plug-in
Our payment flow drops into the app you already ship, as a screen of its own.
Best for
Adding acceptance to a product your merchants already open every day.
You build
The hand-off. We render and run the payment.
Speed to launchControl over the UI - 03
Embedded SDK
The SDK runs inside your product and your own UI drives it end to end.
Best for
Owning every pixel of the merchant experience.
You build
Your payment UI, on our certified SDK.
Speed to launchControl over the UI
Your PCI scope stays small
PCI MPoC applies only to the SDK inside your app. We hold and maintain the A&M certification and scheme approvals, so the heavy scope never lands on your estate.
- PCI MPoC compliant
- Secure cloud infrastructure
- DORA ready
- Dedicated partner support
The control plane
Run the whole estate from one place
Every merchant, terminal, transaction and device attestation signal, in one branded platform you operate. Consume it as SaaS, or drive it entirely from the API.
Terminal ••3391Verified
Terminal ••0A47Verified
Terminal ••77C2Verified
Attestation & monitoring
Live device attestation and signal rules.
POST /v1/terminals
GET /v1/merchants
{ "status": "active" }
API workbench
Keys, terminals, and merchants, one API.
platform.yourbrand.com
Your branding
Your UI, on your own domain.
142 active
Device management
See and manage every device on demand.
Merchant platform
A hosted, self-serve merchant platform.
For developers
Implement Tap to Pay in a few lines of code.
Initialize the SDK, start a payment, done. Sandbox keys, native SDKs, and docs from day one.
- Kotlin
- Android
Sandbox
implementation("com.tapaya:accept:1.15.0")mcp
claude mcp add --transport http tapaya-docs https://docs.tapaya.com/mcpThe docs as an MCP server: search them and the REST API from your editor. Read-only, no key needed. Other clients
Clear ownership
You own the merchant. We run the SoftPOS layer.
A clean split across the value chain, so the offering stays compliant, scalable and efficient, and nothing about your merchant relationship changes.
You
Acquirer · PSP · Bank
Merchant acquisition & KYB
Sales, onboarding, underwriting and activation.
Scheme relationships
Visa / Mastercard membership and scheme obligations.
Commercial & pricing
Merchant pricing, contracts and commercial terms.
Settlement & funding
Settlement, funding and reconciliation to merchants.
Risk, AML & compliance
Fraud monitoring, AML, chargebacks and disputes.
Frontline support (L1)
First-line support for your merchants and operations.
Tapaya
White-label SoftPOS provider
White-label SoftPOS app
Your-branded app on Android, UI, branding, publishing.
PCI MPoC certified solution
Certified SoftPOS app maintenance and PCI compliance.
Scheme-ready SoftPOS SDK
Visa / Mastercard / Amex SDK, kernel and scheme updates.
Device attestation
Integrity checks and real-time device monitoring.
Terminal management
Merchant & terminal management platform and analytics.
Technical support (L2/L3)
Integration support, troubleshooting and escalations.
- Merchant
- Your-branded Tap to Pay app
- Tapaya SoftPOS layer
- Your processor
- Card schemes
Who it's for
One SoftPOS layer, mapped to your licence
Whatever you already hold, acquiring, processing, a PSP or PayFac licence, or a banking charter, Tapaya slots underneath it.
Acquirers
Add SoftPOS acceptance to your portfolio without a hardware rollout.
Processors
A certified Tap to Pay layer that sits on top of your switch.
PSPs & PayFacs
Offer Tap to Pay to your merchants, under your own brand.
Banks
Launch SoftPOS merchant services in months, not years.
Let’s scope your deployment
Bring your rails. We’ll bring the SoftPOS.
Tell us who you serve, the acquiring and processing you run, and how you want to deploy. We’ll map a certified SoftPOS launch, and the pricing, to it.