Is Tapaya a Comgate alternative?

For the in-person side, yes, in a meaningful way, Tapaya replaces dedicated terminal hardware with the Android device you already own. For online payments specifically, Comgate is a well-established, competitively priced Czech and Slovak gateway; the choice comes down to whether you want to embed the whole payment experience under your own brand (Tapaya) or use Comgate's own hosted checkout and terminals.

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.

Does Comgate offer in-person payments?

Yes, through its own terminal hardware (CT20 Fix and N80 Move), with roughly 10,000 devices deployed — a real, established capability, but it requires buying and deploying dedicated devices rather than using a phone or tablet you already own, which is what Tapaya's SDK does instead.

Can I embed Comgate's payments into my own platform for other merchants?

Comgate's partner program is a referral/reseller arrangement, earning a commission for clients you refer, each of whom signs up for their own Comgate account directly. It isn't a white-label or embedded payments product. Tapaya's SDK is purpose-built for a software company to embed payments under its own brand for its own merchants.

All comparisonsUpdated 2026-08-31

ComparisonOnline & in-store payment gateway (CZ/SK)

Tapaya vs Comgate

Comgate is a Czech and Slovak payment gateway serving over 20,000 e-shops online, plus its own terminal hardware for in-store payments. Tapaya is one SDK a software company embeds for both online payments and in-person Tap to Pay, under its own brand, on devices it already owns.

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At a glance

How Tapaya and Comgate differ

Comgate is a genuine, well-established Czech payment gateway, licensed as a European Payment Institution and a direct Visa/Mastercard acquiring member, serving over 20,000 e-shops across Czechia and Slovakia. It also sells its own physical payment terminals for in-store acceptance, so it isn't purely an online player, though its in-store business runs on dedicated hardware rather than a phone or tablet a merchant already owns. Comgate's published pricing is genuinely competitive for online-only merchants, and its partner program is a referral/reseller arrangement rather than a white-label embed. Tapaya's difference is shape, not just price: one SDK covers online payments and in-person Tap to Pay on the Android device a merchant or software company already has, with no terminal to buy, and a genuine white-label path for software companies that want to own the payment experience end to end.

Tapaya compared with Comgate
Capability	Tapaya	Comgate
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.	Czech and Slovak e-shops of all sizes, from small merchants on Shoptet or WooCommerce to larger accounts on custom pricing.
In-person payments	Runs on any commercial Android device you already own — no hardware to buy.	Available via Comgate's own terminal hardware (CT20 Fix, N80 Move), with roughly 10,000 terminals deployed — a real capability, but dedicated devices rather than a phone or tablet you already have.
Embeddable under your own brand	Fully white-label across both channels, your app, your UI, your name end to end. Customers never see Tapaya.	Comgate's partner program is a referral/reseller arrangement (earn a commission for referred clients); no public white-label or embedded-payments product was found for a platform to resell Comgate under its own brand.
Platform integrations	One SDK, integrated directly into your own product.	Native plugins for Shoptet, WooCommerce, PrestaShop, Magento and UPGates, plus a REST API for custom builds.
Pricing	One transparent blended rate, from 1.39%, no monthly fee, no lock-in, for both channels.	Published tiered pricing from around 0.67–1% plus a per-transaction fee depending on plan and payment method, with monthly fees on some tiers (waived above a volume threshold); custom pricing above 3 million CZK/month.
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 without buying terminal hardware.	You're a Czech or Slovak e-shop that wants a well-established local gateway, and you're open to adding dedicated terminal hardware if you also need in-store acceptance.

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.
Comgate
Czech and Slovak e-shops of all sizes, from small merchants on Shoptet or WooCommerce to larger accounts on custom pricing.
In-person payments
Tapaya
Runs on any commercial Android device you already own — no hardware to buy.
Comgate
Available via Comgate's own terminal hardware (CT20 Fix, N80 Move), with roughly 10,000 terminals deployed — a real capability, but dedicated devices rather than a phone or tablet you already have.
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.
Comgate
Comgate's partner program is a referral/reseller arrangement (earn a commission for referred clients); no public white-label or embedded-payments product was found for a platform to resell Comgate under its own brand.
Platform integrations
Tapaya
One SDK, integrated directly into your own product.
Comgate
Native plugins for Shoptet, WooCommerce, PrestaShop, Magento and UPGates, plus a REST API for custom builds.
Pricing
Tapaya
One transparent blended rate, from 1.39%, no monthly fee, no lock-in, for both channels.
Comgate
Published tiered pricing from around 0.67–1% plus a per-transaction fee depending on plan and payment method, with monthly fees on some tiers (waived above a volume threshold); custom pricing above 3 million CZK/month.
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 without buying terminal hardware.
Comgate
You're a Czech or Slovak e-shop that wants a well-established local gateway, and you're open to adding dedicated terminal hardware if you also need in-store acceptance.

Two takes on "online and in-store," one with hardware and one without

Comgate genuinely covers both channels, which sets it apart from most other online gateways on this list — it isn't a pure e-commerce play. But its in-store answer is dedicated terminal hardware (its own CT20 Fix and N80 Move devices), the same category of solution SoftPOS was built to replace: a merchant or software company still needs to buy, deploy and manage physical devices for the in-person side. Tapaya's answer to "online and in-store" is the same SDK either way, running on a phone or tablet already in someone's pocket. For a software company embedding payments into its own product, that means one integration handles both channels without also becoming a hardware logistics problem.

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, on devices you already own, not a hardware purchase for the in-store side. Or you're a merchant who wants both online and in-person payments from one provider without a separate terminal to buy and maintain.

Choose Comgate when

You're a Czech or Slovak e-shop that wants a well-established local payment gateway with strong local platform integrations, and you're comfortable adding dedicated terminal hardware if you need in-store acceptance too. 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 Comgate product and pricing pages as of August 2026; exact current merchant count and annual transaction volume vary across Comgate's own published figures over time, so treat specific numbers as approximate. Capabilities, pricing and regional availability change over time — verify current details with Comgate directly.