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All comparisonsUpdated 2026-08-31
ComparisonOnline payment gateway (Worldline)

Tapaya vs GoPay

GoPay is Worldline's online payment gateway for Czechia, Slovakia and Poland, serving roughly 9,000 e-shops. 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 GoPay differ

GoPay is the online-payments brand of Worldline's Czech and Slovak business, sitting alongside KB SmartPay, Worldline's joint go-to-market with Komerční banka for in-store acceptance and terminal deployment (compared separately at Tapaya vs Worldline). GoPay itself is squarely online, serving around 9,000 e-shops across Czechia, Slovakia and Poland, and it's a real, well-established local gateway. What it doesn't offer is a single integration spanning both channels: a merchant or software company needing in-store acceptance too works with a separate Worldline product, under a separate relationship. Tapaya covers online payments and in-person Tap to Pay from the same SDK, one integration for both.

  • 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.
    GoPay
    Czech, Slovak and Polish e-shops using GoPay for online checkout, roughly 9,000 of them.

  • In-person payments

    Tapaya
    The same SDK also runs Tap to Pay on any commercial Android device — one integration, both channels.
    GoPay
    Not part of GoPay itself; in-store acceptance runs through a separate Worldline product (KB SmartPay in Czechia, or Worldline Slovensko directly), with its own account and integration.

  • 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.
    GoPay
    GoPay is a merchant-facing gateway; no public white-label or embedded-payments product was found for a software company to resell GoPay's online payment acceptance under its own brand.

  • Part of a larger group

    Tapaya
    Independent payments infrastructure, purpose-built around one SDK.
    GoPay
    Owned by Worldline, one of the largest payment acquirers in Europe — real institutional backing, but two separate products (GoPay online, KB SmartPay / Worldline Slovensko in-store) rather than one.

  • Pricing

    Tapaya
    One transparent blended rate, from 1.39%, no monthly fee, no lock-in, for both channels.
    GoPay
    Not publicly listed; priced per merchant as part of a Worldline relationship.

  • Best fit

    Tapaya
    You're a software company or merchant that wants one integration to cover both online and in-person payments under your own brand.
    GoPay
    You're a Czech, Slovak or Polish e-shop that wants an established local online gateway backed by a large European payments group, and you're comfortable managing in-store acceptance as a separate relationship if you need it.

One group, two products, split by channel

GoPay and KB SmartPay both belong to Worldline's Czech and Slovak business (see Tapaya vs Worldline for the in-store side, terminals and acquiring) — but they're organized as separate products along channel lines: GoPay for online checkout, KB SmartPay and Worldline Slovensko for in-store acceptance. A merchant that sells both online and in person, through this group, ends up with two integrations and likely two relationships to manage, even though both trace back to the same parent company. Tapaya doesn't split by channel. The same SDK a software company embeds for in-person Tap to Pay also covers online payments, so there's one integration and one relationship regardless of how a merchant's customers choose to pay.

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 two separate Worldline relationships for two channels. Or you're a merchant who wants both online and in-person payments from one provider, signed up directly rather than through a bank or sales process.

Choose GoPay when

You're a Czech, Slovak or Polish e-shop that wants an established, Worldline-backed online gateway, and you're comfortable managing in-store acceptance separately (through KB SmartPay or Worldline Slovensko) if you need it. You don't need one integration spanning both online and in-person, and you don't need to embed the payment experience for other merchants under your own brand.

FAQ

Questions, answered

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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 GoPay and Worldline product pages and press coverage as of August 2026; exact current merchant count and pricing were not found published in detail and are described approximately. Capabilities, pricing and regional availability change over time — verify current details with GoPay/Worldline directly.