Zero merchant fees · Now in App Store

Powering growth for over 4,800+ merchants — from food trucks to fintechs.

The payment platform that charges nothing.

Turn any iPhone into a payment terminal. Accept NFC payments, run loyalty programs, and build a closed-loop wallet — with zero fees for merchants, forever.

Trusted by 4,800+ merchants · $12M+ processed

Today's revenue

$1,847.50

↑ 23% vs last week

Processing fee

$0.00

Free forever

9:41●●●

Good morning,

Sarah 👋

Wallet Balance

$2,341.80

$847.20Earned today

14Taps today

⬆️

Send

⬇️

Fund

📡

🎁

Loyalty

Recent

☕

Blue Bottle Coffee

2 min ago · NFC tap

+$14.50

🌮

Taco Stand

18 min ago · App Clip

+$32.00

✦

Aria: You saved $47.20 in fees this week vs Square. Peak hour: 12–1pm.

🏠

Home

📊

Analytics

✦

Aria

👤

Account

1,200+

Active merchants

across 12 verticals

–40%

Interchange savings

vs card-not-present processing

99.99%

Platform uptime

FedNow + Visa + Mastercard rails

Platform capabilities

Everything your payment
stack needs.

One platform. Ten composable primitives. Thirty products — from SoftPOS to fraud prevention to revenue-based lending.

Accept payments

NFC card-present acceptance on any iOS or Android device. Contactless cards, Apple Pay, Google Pay — all at 1.5% + $0.08.

Tap2 ONE

Reduce costs

Intelligent ML routing selects the cheapest network rail in real time. Up to 22% lower processing costs, +15% authorisation lift.

Tap2 Route

Prevent fraud

ML-powered fraud scoring on every transaction. Sub-100ms decisions. Block chargebacks before they happen across every product.

Tap2 Shield

How it works

First payment in
under 5 minutes.

No hardware procurement. No certification delays. No reader pairing.

01 —

Install the SDK

Add @tap2/sdk to your iOS or Android app. Five lines of code to initialise. No native module bridging required.

02 —

Enable NFC

tap2 activates the device NFC controller via our certified SoftPOS kernel. Works on any NFC-capable phone — no dongle.

03 —

Accept payments

Contactless cards, Apple Pay, Google Pay — all at card-present interchange. Funds settled next business day.

Built for developers

TypeScript-first.
No phone calls.

OpenAPI spec, webhooks, sandbox cards. Everything you need to ship in a sprint — without talking to sales.

TypeScript & React Native SDKs

Webhook event taxonomy (13 events)

OpenAPI 3.1 spec + Postman collection

Sandbox environment with test cards

PCI DSS Level 1 certified

payment.ts
 import { Tap2 } from '@tap2/sdk';
 
 const tap2 = new Tap2({

  apiKey: process.env.TAP2_KEY,
 });
 
 // Create a card-present payment
 const payment = await tap2.payments.create({

  amount: 2499,

  currency: 'gbp',

  method: 'nfc',
 });
 
 // payment.status        → 'captured'
 // payment.interchange   → 'card_present'
 // payment.savings       → 0.35  // vs CNP 

The rate gap

CNP pricing is a
tax on your business.

Card-not-present rates apply because your processor can't verify the card is physically present. tap2 changes that — any phone becomes a verified POS terminal.

Without tap2

2.9%

+ $0.30 per transaction (card-not-present)

Hardware: $200–$800 per reader

CNP interchange on every sale

With tap2

1.5%

+ $0.08 per transaction (card-present)

Zero hardware cost

Card-present interchange, always

30 composable products

Start with one.
Grow with the platform.

Core

tap2 ONE

The primary SoftPOS app. Card-present NFC acceptance on any phone.

Core

tap2 Route

ML payment routing. 22% cost reduction, +15% auth lift.

Core

tap2 Shield

Real-time fraud prevention with sub-100ms decisioning.

Core

tap2 Platform

White-label PayFac infrastructure. Your brand, your economics.

Growth

tap2 Insights

Revenue intelligence dashboard. Cohort trends, customer LTV.

Growth

tap2 Bank

Real-time merchant banking. FedNow, ACH, virtual cards.

Growth

tap2 Capital

Revenue-based financing. Up to 3× monthly GMV advance.

Growth

tap2 Dine

Full restaurant stack — QR ordering, split bills, kitchen display.

tap2 Copilot

AI assistant across all 29 products. Revenue questions answered.

View all 30 products

The payment platform that charges nothing.

Everything your paymentstack needs.

Accept payments

Reduce costs

Prevent fraud

First payment inunder 5 minutes.

Install the SDK

Enable NFC

Accept payments

TypeScript-first.No phone calls.

CNP pricing is atax on your business.

Start with one.Grow with the platform.

Start acceptingcard-present payments today.

Everything your payment
stack needs.

First payment in
under 5 minutes.

TypeScript-first.
No phone calls.

CNP pricing is a
tax on your business.

Start with one.
Grow with the platform.

Start accepting
card-present payments today.