In-store payments # Any device is now a payment terminal. Accept contactless payments with Tap to Pay. No extra hardware, no complexity. Read more about how Tapaya works Get started ## Let's get you paid. Tell us a bit about what you do, and we’ll point you to the right place to get started. ### I'm building a product For platforms [I'm building a product](https://tapaya.com/partners) ### I have an e-shop For e-shops [I have an e-shop](https://tapaya.com/eshops) ### I run a business For merchants [I run a business](https://tapaya.com/merchants) How it works ## Start taking payments in four simple steps. No hardware to buy, no long wait for approval. Just the phone or tablet you already have. ### Step 1: Onboard - Sign up and verify your business online. No in-person meeting, no paperwork to post. ### Step 2: Download the app - Install it on a phone or tablet you already own. Nothing extra to buy or configure. ### Step 3: Transact - Hold a contactless card or phone to the back of the device, and the payment goes through. ### Step 4: Get paid - Payouts land in your bank account on D+2. Who it's for ## Built for every kind of business. From a single counter to thousands of devices across markets: restaurants, retail, field service, events, and more. - Restaurant & hospitality POS - Marketplaces - Events & pop-ups - Retail - Banks & fintechs - Salons & studios - Field services Features ## Everything you need to get paid. ### Tap to Pay on any device you own Check my device ### Track your sales, day by day - Austria - Belgium - Bulgaria - Croatia - Cyprus - Czech Republic - Denmark - Estonia - Finland - France - Germany - Gibraltar - Greece - Hungary - Iceland - Ireland - Isle of Man - Italy - Jersey - Alderney - Latvia - Liechtenstein - Lithuania - Luxembourg - Malta - Netherlands - Norway - Poland - Portugal - Romania - Slovakia - Slovenia - Spain - Sweden - Switzerland - United Kingdom ### Ready for 36 markets With Tapaya 48h The usual way weeks ### Selling in two days, not weeks - Sign up online - Verify your business - Connect your bank - Track every payment ### Everything online, start to finish ### Track every payment from one dashboard. [Open the platform](https://platform.tapaya.com/merchant/login/) Backed by Dedicated devices ## Need a professional device? Not everyone wants to reach for their own phone. Tapaya also ships purpose-built hardware with Tap to Pay pre-installed, same platform, same dashboard, nothing to configure. - Delivered in 48 hours - Tap to Pay pre-installed, nothing to set up - Built-in receipt printer - Same platform and dashboard as the app Coming soon FAQ ## Questions, answered ### What exactly is Tap to Pay / SoftPOS? SoftPOS turns a standard phone or tablet into a payment terminal, no extra hardware, no dongle. Your customers tap their contactless card or phone directly against the device and the payment goes through. Tapaya brings that capability to any commercial Android device running Android 11 or later with NFC, so you accept in-person payments on hardware you already own. Tapaya itself is PCI certified, and so is every product it ships, so you're never trading compliance for convenience. ### Which devices are supported? If it runs Android, it can take payments. Phones, tablets, kiosks, and dedicated SoftPOS hardware from vendors like Sunmi and iMin are all in scope, alongside mainstream phones such as Samsung Galaxy and Google Pixel, so you're not locked into a single ecosystem or a specific manufacturer's terminal. The minimum is Android 11 or newer with NFC. Google Play services aren't required either, so dedicated terminals that ship without them work just as well. ### What does it cost, and how do we start? Merchant pricing starts at 1.39% blended per transaction, with no monthly, setup, or hardware fees, or Interchange++ for higher volume. You apply online and are usually approved within 48 hours, then start taking payments on a device you already own. Platforms and partners get custom, volume-based pricing. ### When do I get paid? Payouts settle on D+2, straight to your existing bank account, so you're not waiting on a weekly batch to see your money. ### How long until I can take payments? Merchant onboarding is fully digital, no in-person meeting and no hardware to wait for. Most businesses are verified and approved within 48 hours, then start accepting payments on a device they already own. Building on Tapaya as a platform or integrator? [See the developer and partner overview](https://tapaya.com/en/partners). From the blog ## Latest writing Product updates and field notes from the team building in-store payments infrastructure. - October 27, 2026 Guides ### girocard, Visa Debit or Debit Mastercard: which German cards can a SoftPOS accept? - Germans pay with girocard, but most German bank cards now carry a second, international brand too. Here is how co-badged cards behave at a SoftPOS, what works today, and the gaps merchants should plan for. - Read article [October 27, 2026 Guides](https://tapaya.com/en/blog/german-debit-cards-and-softpos) - October 27, 2026 Trends ### Does Germany still need SoftPOS? Cash, cards and the case for Tap to Pay in 2026 - For the first time, most in-store purchases in Germany are paid without cash, and the government plans to make at least one digital payment option mandatory. Here is what that means for small merchants, and where Tap to Pay on a phone fits. - Read article [October 27, 2026 Trends](https://tapaya.com/en/blog/does-germany-need-softpos) - October 23, 2026 News ### Nets Baltics and Tapaya partner to bring SoftPOS to the Baltics - Nets Baltics and Tapaya have agreed to develop a SoftPOS service for merchants across Estonia, Latvia and Lithuania, launching from the beginning of 2027. Partners don't have to wait: Tapaya is onboarding platforms and integrators today. - Read article [October 23, 2026 News](https://tapaya.com/en/blog/nets-baltics-and-tapaya-partner-to-bring-softpos-to-the-baltics) [View all posts](https://tapaya.com/en/blog) We’re hiring ## Build the payments layer for every device. Small team, hard problems, real impact. We’re growing across engineering, product, and go-to-market. [See open roles](https://tapaya.com/careers) --- Source: https://tapaya.com/en