Is Tapaya a finby (TrustPay) alternative?

For a software company or merchant that wants online and in-person payments from one provider, yes. If you only need online payments and value finby's wide range of European local payment methods, it's a credible, long-established option on its own terms.

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 payments online and in person, 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 — one platform serving both audiences, not two separate products.

Why does this page say "finby" instead of "TrustPay"?

TrustPay rebranded to finby in 2025 — same company, same Slovak e-money license, new name. Both names are used here since TrustPay is still the more commonly searched term.

Does finby offer in-person payments?

No product for this was found in finby's public materials — it's positioned as an online payment gateway. Tapaya's SDK covers both online payments and in-person Tap to Pay from the same integration.

All comparisonsUpdated 2026-08-31

ComparisonOnline payment gateway (SK/CZ)

Tapaya vs finby (formerly TrustPay)

finby, rebranded from TrustPay in 2025, is a Bratislava-based online payment gateway and licensed e-money institution. Tapaya is one SDK a software company embeds for both online payments and in-person Tap to Pay, under its own brand, with no separate integration for each channel.

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At a glance

How Tapaya and finby (formerly TrustPay) differ

finby (known as TrustPay until its 2025 rebrand) is a genuine, long-running Slovak online payment gateway, founded in 2009 and holding a full Electronic Money Institution license passported across the EEA, with a Maltese license added in 2025 to reinforce its EU presence. Its published materials describe an online-only gateway, cards and 20-plus local payment methods, SEPA instant transfers, with no in-person or card-present product found, and no public white-label or embedded-finance program for other platforms to resell under their own brand. Tapaya covers both online payments and in-person Tap to Pay from the same SDK, and its SDK is built for a software company to embed and resell under its own brand from the start.

Tapaya compared with finby (formerly TrustPay)
Capability	Tapaya	finby (formerly TrustPay)
Who it's built for	Software companies that want in-person and online payments to be one native, branded part of their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs), and direct merchants who want both channels from one provider.	Online merchants across Europe, with published verticals including digital goods, subscriptions and online retail.
In-person payments	The same SDK also runs Tap to Pay on any commercial Android device — one integration, both channels.	No in-person or card-present product found in finby's public materials; every source describes it as an online payment gateway/acquirer.
Embeddable under your own brand	Fully white-label across both channels, your app, your UI, your name end to end. Customers never see Tapaya.	finby's API lets a merchant embed its own checkout into their site; no public white-label or embedded-finance (BaaS/PayFac) product was found for a platform to resell finby's payment acceptance under its own brand to its own merchants.
Licensing	Operates on top of Tapaya's own certification and acquiring relationships, handled underneath the SDK.	Holds a full Electronic Money Institution license (originally from Slovakia, EEA-passported since 2010) plus a Maltese financial institution license added in 2025.
Pricing	One transparent blended rate, from 1.39%, no monthly fee, no lock-in, for both channels, published openly.	No official public rate card found; pricing is customized per business, sector and volume.
Best fit	You're a software company that wants one integration to cover both online and in-person payments under your own brand, or a merchant who wants both from one provider.	You're an online merchant, especially one needing a wide range of European local payment methods or cross-border settlement, and you don't need in-person acceptance or a white-label flow.

Who it's built for
Tapaya
Software companies that want in-person and online payments to be one native, branded part of their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs), and direct merchants who want both channels from one provider.
finby (formerly TrustPay)
Online merchants across Europe, with published verticals including digital goods, subscriptions and online retail.
In-person payments
Tapaya
The same SDK also runs Tap to Pay on any commercial Android device — one integration, both channels.
finby (formerly TrustPay)
No in-person or card-present product found in finby's public materials; every source describes it as an online payment gateway/acquirer.
Embeddable under your own brand
Tapaya
Fully white-label across both channels, your app, your UI, your name end to end. Customers never see Tapaya.
finby (formerly TrustPay)
finby's API lets a merchant embed its own checkout into their site; no public white-label or embedded-finance (BaaS/PayFac) product was found for a platform to resell finby's payment acceptance under its own brand to its own merchants.
Licensing
Tapaya
Operates on top of Tapaya's own certification and acquiring relationships, handled underneath the SDK.
finby (formerly TrustPay)
Holds a full Electronic Money Institution license (originally from Slovakia, EEA-passported since 2010) plus a Maltese financial institution license added in 2025.
Pricing
Tapaya
One transparent blended rate, from 1.39%, no monthly fee, no lock-in, for both channels, published openly.
finby (formerly TrustPay)
No official public rate card found; pricing is customized per business, sector and volume.
Best fit
Tapaya
You're a software company that wants one integration to cover both online and in-person payments under your own brand, or a merchant who wants both from one provider.
finby (formerly TrustPay)
You're an online merchant, especially one needing a wide range of European local payment methods or cross-border settlement, and you don't need in-person acceptance or a white-label flow.

A rebrand worth knowing about, and a gap worth noting

TrustPay rebranded to finby in 2025, partly to avoid confusion with an unrelated UK company using a similar name, and picked up a Maltese financial institution license the same year to reinforce its EU footprint. The underlying business, and its EEA-passported e-money license, is the same one that's operated out of Bratislava since 2009 — worth knowing if the name looks unfamiliar even though the company isn't new. What hasn't changed is scope: finby's public materials describe an online-only gateway, with no in-person product and no embedded-finance program for other platforms to resell under their own brand. Tapaya covers both online and in-person payments from the same SDK, built for a software company to embed and resell from the start.

Where each fits

Choosing the right tool

Choose Tapaya when

You're a software company that wants online payments and in-person Tap to Pay to be one native, branded part of your own product, not a separate provider for each channel. Or you're a merchant in Slovakia or Czechia who wants both online and in-person payments from one provider, at a transparent, published rate.

Choose finby (formerly TrustPay) when

You're an online merchant that wants a long-established, EU-licensed gateway with a wide range of local European payment methods and cross-border settlement, and you're comfortable with custom, negotiated pricing. You don't need in-person acceptance, and you don't need to embed the payment experience for other merchants under your own brand.

FAQ

Questions, answered

Keep comparing

See how Tapaya stacks up elsewhere

Accurate as of 2026-08-31. Based on publicly available information; all product names and trademarks belong to their respective owners. Comparison based on publicly documented finby (formerly TrustPay) product pages and independent fintech press coverage of the 2025 rebrand and Maltese licensing, as of August 2026; specific transaction fee figures were not confirmed on finby's own site and are not stated here. Capabilities, pricing and regional availability change over time — verify current details with finby directly.