Is Tapaya a Flatpay alternative?

Yes, on both sides. As a merchant, Tapaya's own app works on the phone or tablet you already own, from 1.39% blended with no monthly or hardware fees, no sales visit needed. As a software company, Tapaya is also a white-label SDK you can embed under your own brand, something Flatpay doesn't offer at all. Flatpay is aimed at single-location merchants who want a terminal installed and supported by a local sales rep.

Do I have to be a software company to use Tapaya?

No. Tapaya works for direct merchants too: sign up online, verify your business, and start taking Tap to Pay on the phone or tablet you already own, no new hardware and no sales visit, 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, it's one platform serving both audiences, not two separate products.

Can I rebrand Flatpay as my own payments product?

Flatpay is designed as its own merchant product with its own hardware and sales model, not as white-label infrastructure to resell under your brand. Tapaya is built specifically for that: the payment flow renders inside your app, themed to your brand.

What devices does each support?

Tapaya runs on any commercial Android device, including tablets, kiosks and enterprise handhelds. Flatpay centres on its own card terminal and POS kit, installed on-site as a package.

All comparisonsUpdated 2026-08-25

ComparisonSMB card terminal & POS (flat-rate, in-person sales)

Tapaya vs Flatpay

Flatpay sells a flat-rate card terminal and POS kit to merchants, installed on-site by a local sales rep. Tapaya works for both sides of that trade: merchants take Tap to Pay on the phone or tablet they already own, and software companies embed the same infrastructure under their own brand.

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At a glance

How Tapaya and Flatpay differ

Flatpay and Tapaya both serve merchants directly. Flatpay sells a terminal and POS kit installed on-site by a local sales rep, at a flat per-transaction rate. As a direct merchant, Tapaya works on the phone or tablet you already own, from 1.39% blended, with no monthly fee, no hardware to buy and no lock-in, approved online in as little as 48 hours, no sales visit required. Tapaya also goes one step further: the same infrastructure is available as a white-label SDK, so a software company that wants to embed in-person payments into its own product, rather than sending merchants to a separate terminal, can do that too, something Flatpay doesn't offer.

Tapaya compared with Flatpay
Capability	Tapaya	Flatpay
Who it's built for	Direct merchants who want to take payments on a device they already own, and software companies that want to embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP).	Single-location merchants doing meaningful card volume who want a terminal installed and supported in person; Flatpay's own sales model favours established shops over micro or multi-location businesses.
Embeddable under your own brand	Fully white-label, your app, your UI, your name end to end. Customers never see Tapaya.	Flatpay is the brand and the product; it isn't designed to be resold as your own payments product under your brand.
Supported devices	Any commercial Android device, phones, tablets, kiosks and enterprise handhelds, using hardware you already deploy.	Flatpay's own card terminal and POS kit, installed on-site by a local sales rep.
Path to embedding payments	The same infrastructure is available as a white-label SDK, so if you ever want to embed payments into your own product instead of using the app directly, you can, under your own brand.	No white-label or embeddable option; Flatpay is a closed merchant product sold through its own sales team.
Sales & onboarding model	Self-serve either way: a merchant applies online and is approved in about 48 hours with no sales visit, and a software team can integrate the SDK on its own timeline.	A field sales rep visits the business in person to sign up the merchant, install the terminal and train staff.
Certification, PCI & compliance	Card-network certification, acquiring and per-market compliance come pre-integrated under the SDK so you can ship a payments product.	Handled by Flatpay as part of its merchant product.
Best fit	You're a merchant who wants transparent pricing and no lock-in on a device you already own, approved online with no sales visit, or a software company that wants the same infrastructure under your own brand, Tapaya works for either.	You're a single-location merchant who wants a flat transaction rate and a terminal someone else installs and supports.

Who it's built for
Tapaya
Direct merchants who want to take payments on a device they already own, and software companies that want to embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP).
Flatpay
Single-location merchants doing meaningful card volume who want a terminal installed and supported in person; Flatpay's own sales model favours established shops over micro or multi-location businesses.
Embeddable under your own brand
Tapaya
Fully white-label, your app, your UI, your name end to end. Customers never see Tapaya.
Flatpay
Flatpay is the brand and the product; it isn't designed to be resold as your own payments product under your brand.
Supported devices
Tapaya
Any commercial Android device, phones, tablets, kiosks and enterprise handhelds, using hardware you already deploy.
Flatpay
Flatpay's own card terminal and POS kit, installed on-site by a local sales rep.
Path to embedding payments
Tapaya
The same infrastructure is available as a white-label SDK, so if you ever want to embed payments into your own product instead of using the app directly, you can, under your own brand.
Flatpay
No white-label or embeddable option; Flatpay is a closed merchant product sold through its own sales team.
Sales & onboarding model
Tapaya
Self-serve either way: a merchant applies online and is approved in about 48 hours with no sales visit, and a software team can integrate the SDK on its own timeline.
Flatpay
A field sales rep visits the business in person to sign up the merchant, install the terminal and train staff.
Certification, PCI & compliance
Tapaya
Card-network certification, acquiring and per-market compliance come pre-integrated under the SDK so you can ship a payments product.
Flatpay
Handled by Flatpay as part of its merchant product.
Best fit
Tapaya
You're a merchant who wants transparent pricing and no lock-in on a device you already own, approved online with no sales visit, or a software company that wants the same infrastructure under your own brand, Tapaya works for either.
Flatpay
You're a single-location merchant who wants a flat transaction rate and a terminal someone else installs and supports.

One platform, two ways to use it

Flatpay sells one thing: a finished terminal and POS kit for merchants, installed and supported by a local sales rep, sold under the Flatpay brand, with no path from there to a white-label product for a software company that wants to build something bigger. Tapaya works both ways. A merchant can sign up online and start taking Tap to Pay on a device they already own, at a transparent rate with no lock-in and no sales visit. A software company can embed the same infrastructure as an SDK and present its own branded payment experience instead, with Tapaya handling certification, acquirer connections and per-market compliance underneath either way.

Where each fits

Choosing the right tool

Choose Tapaya when

You're a merchant who wants to take Tap to Pay on the phone or tablet you already own, at a transparent blended rate with no monthly fee, no hardware to buy and no lock-in, approved online in as little as 48 hours, no sales visit required. Or you're a software company that wants in-person payments to be a native, branded part of your own product. Both run on the same infrastructure, so you're not choosing between the two, you can start as a merchant and later embed if your needs grow.

Choose Flatpay when

You're a single-location merchant who wants a flat per-transaction rate, a terminal installed on-site by a local rep, and someone else to own the hardware and support relationship. You don't need to embed or rebrand the payment experience inside a separate product of your own.

FAQ

Questions, answered

Keep comparing

See how Tapaya stacks up elsewhere

Accurate as of 2026-08-25. Based on publicly available information; all product names and trademarks belong to their respective owners. Comparison based on publicly documented Flatpay product capabilities and business model as of August 2026; capabilities, pricing and regional availability change over time, verify current details with each provider.