What Taprail is
Taprail is a mobile wallet for tap-to-pay. You add your Nigerian debit or credit cards to the app, and Taprail creates a virtual card for each one. When you pay, you hold your phone to the terminal and the virtual card does the work, so your real card number stays with your bank. It is the same money and the same banks you already use, with your phone doing the tapping.
The problem we are working on
Most of us carry a phone everywhere, but still reach for a plastic card to pay, or look for cash when a card will not work. Cards get lost, get left at home, and give you very little control once they are out of your hands. We thought paying should be simpler, and that the phone already in your pocket should be enough.
How it works
1. Add your cards
Add a card once and Taprail sets up a virtual card behind it. Your real card number is not shared with merchants or terminals.
2. Tap to pay
Pick the card you want to use and hold your phone to the contactless reader. Switch cards whenever you like, or freeze one if your phone goes missing.
3. Keep track
Every payment shows up in your activity, grouped by day and searchable, with approvals and declines clearly marked.
What you can do with it
- Add cards from any Nigerian bank and choose which one to pay with.
- Tap your phone to pay at contactless terminals.
- Freeze and unfreeze a card from the app.
- Split a bill with friends nearby, each paying from their own card.
- Follow your spending, grouped by day and searchable.
- Use the app in English, Yorùbá, Hausa or Igbo.
How we think about your money and security
Taprail is a technology service, not a bank. We do not hold your money. Your funds stay with your bank, and payments are authorised by your bank in the usual way. Each card you add is backed by a virtual card, so merchants and terminals never see your real card number. The app is locked behind Face ID, fingerprint or a PIN, and you can freeze a card from your phone whenever you need to. You can read more about how we handle your data in our Privacy Policy.
Our partners
To move money safely, Taprail works with established payment partners, including Paystack for card processing, and a card-issuing partner that creates the virtual cards you pay with. These partners are regulated and handle sensitive card data, so your full card details are tokenised and kept secure.
Built for Nigeria
Taprail is made for how Nigeria pays. It works with cards from Nigerian banks, shows amounts in naira, and the whole app can be used in English, Yorùbá, Hausa or Igbo, so it reads the way you talk.
What we believe
- Honesty. We say what the app does and does not do, and we do not oversell.
- Security first. Your card details stay with your bank, and you stay in control.
- Simplicity. Paying should take one tap, and the rest should get out of your way.
Where we are today
Taprail has not launched yet. We are getting it ready and opening it up to a first group of users in Nigeria. Joining the waitlist is the best way to hear when it is ready, and to be among the first to try it.
Get in touch
We would love to hear from you. You can reach us through our contact page, or join the waitlist below.