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Tapaya

Tap-to-pay software that turns any phone, tablet or kiosk into a card terminal

Czechia, Prague Founded 2025 tapaya.com ↗

Tapaya is a SoftPOS payment app and SDK that lets merchants accept contactless cards and wallets on the Android or iOS device they already own, with no dedicated terminal. It targets very small merchants (market stalls, salons, pop-ups, field services) directly and offers the same acceptance layer to banks, fintechs and software platforms that want to embed in-person payments. The company operates in the Czech Republic and lists coverage for 36 European markets.

Our reading. Best for micro-merchants and pop-ups in Central Europe that want to accept cards on a phone with no hardware, and for software vendors that want to embed in-person payments.

What is new here
Sells SoftPOS as infrastructure: the same tap-to-pay layer runs on a merchant's phone, a tablet or a self-order kiosk and can be embedded by other software vendors via an SDK, removing the terminal entirely.

Strengths

  • No hardware and no monthly fee; merchants can start on their own phone
  • Public blended pricing from 1.39% with D+2 payouts and no lock-in
  • SDK lets POS or vertical software vendors embed tap-to-pay without becoming a payment company

Limits

  • Very young company (founded 2025) with a small customer base
  • Live mainly in the Czech Republic so far; wider EEA rollout still in progress
Why rising

Founded 2025 in Prague, €1M pre-seed in April 2026, first merchants in the Czech Republic

Notable

Founded by Laura Ďorďová, Roman Kuchařík and Petr Zahradník; members of NVIDIA Inception and Mastercard Lighthouse; PAY360 Awards recognition; pre-seed led by Passion Capital with Depo Ventures

Also ranked in Payments
Sources consulted
Page generated by AI (Claude) from 3 sources and the news · editorial responsibility Camille POTVIN · reviewed 23 Sep 2026