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All comparisonsUpdated 2026-08-25
ComparisonTap-to-Pay app (Global Payments)

Tapaya vs GP tom

GP tom is Global Payments' own Tap-to-Pay app, turning a merchant's phone into a card terminal. Tapaya works for both sides of that trade: merchants take Tap to Pay on the phone they already own with transparent pricing, and software companies embed the same infrastructure under their own brand.

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At a glance

How Tapaya and GP tom differ

GP tom and Tapaya both let a merchant turn a phone they already own into a card terminal, no extra hardware either way. The difference is what's underneath and who else can use it. GP tom runs on top of a Global Payments merchant account. Tapaya, as a direct merchant, is a transparent 1.39% blended rate with no monthly fee, no lock-in and digital approval in as little as 48 hours. 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 app, can do that too, a path GP tom itself doesn't offer, though Global Payments runs separate ISV programs elsewhere in its business.

  • 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).
    GP tom
    Merchants, from solo professionals to multi-location retailers, who want to accept contactless payments on their own phone through a Global Payments merchant account.

  • Embeddable under your own brand

    Tapaya
    Fully white-label, your app, your UI, your name end to end. Customers never see Tapaya.
    GP tom
    GP tom is Global Payments' own branded app; 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.
    GP tom
    GP tom runs on the merchant's own iPhone or Android phone, no dedicated terminal hardware required.

  • Embedded / ISV path

    Tapaya
    One SDK a software company integrates directly into its own product, end to end.
    GP tom
    Global Payments runs separate embedded-payments and ISV programs elsewhere in its business; GP tom itself is the standalone merchant app, not that embeddable path.

  • Pricing & onboarding

    Tapaya
    One transparent blended rate, from 1.39%, no monthly fee, no lock-in, approved online in as little as 48 hours.
    GP tom
    Priced as part of a Global Payments merchant account; typical of a large acquirer, terms can vary by business and volume.

  • Best fit

    Tapaya
    You're a merchant who wants a transparent flat rate and no lock-in on the phone you already own, or a software company that wants the same infrastructure under your own brand, Tapaya works for either.
    GP tom
    You're a merchant who wants to start taking contactless payments on your own phone, backed by a large global acquirer, with minimal setup.

One platform, two ways to use it

GP tom is Global Payments' own Tap-to-Pay app for merchants, the app, the merchant account and the brand are Global Payments', following its 2026 acquisition of Worldpay one of the largest merchant acquirers globally. Global Payments does run separate ISV and embedded-payments programs elsewhere in its business, but GP tom itself has no white-label path. Tapaya works both ways in one product line. A merchant signs up directly and takes Tap to Pay on the phone they already own, at a transparent rate with no lock-in. A software company embeds the same SDK and presents its own branded payment experience on any Android device 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 you already own, at a transparent blended rate with no monthly fee and no lock-in, approved online in as little as 48 hours. 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 GP tom when

You're a merchant who wants a ready-made app that turns your own phone into a payment terminal, backed by a large global acquirer, without any integration work, and you're comfortable with standard merchant-account pricing and onboarding. You don't need to embed or rebrand the payment experience inside a separate product of your own.

FAQ

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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 GP tom and Global Payments product capabilities as of August 2026, following Global Payments' completed acquisition of Worldpay in January 2026; capabilities, pricing and regional availability change over time, verify current details with each provider.