Take payments
without the plastic.
Customers approve the payment from their phone. You skip the POS, the card details, and the chasing — and the money lands in your bank, at a lower fee than you pay now.
Free in sandbox · No card needed · Live when you're ready
Why Taprail
Lower fees, no hardware.
Take tap-to-pay from any shopper, keep more of every sale, and never rent a terminal again.
Card numbers never reach you
Shoppers pay with a card already saved in their wallet, so card details never touch your systems — and the compliance headache isn't yours.
Paid in seconds
The customer confirms with Face ID in their app. Most payments clear in under five seconds — no PIN pad, no queue.
Straight to your bank
We take the payment, keep our 1% fee, and send the rest to your account. No reconciliation spreadsheets on your end.
Refunds and reports built in
Refund any order in a tap, and pull clean records whenever your accountant asks.
How it works
From tap to payout.
- STEP 01
Create an order
POST /v1/merchant/orders with an amount + reference. We return an order id and a deep link.
- STEP 02
Customer pays
Desktop → QR modal. Mobile → universal link into the app. Customer biometric-approves.
- STEP 03
We pay you out
We take the payment, keep our 1% fee, and send the rest straight to your bank account.
For developers
Live in a few lines.
Drop in the SDK or redirect to our hosted page. Your secret key stays on your server; the SDK never sees it.
- REST + signed webhooks
- @taprail/checkout SDK (1.6 KB gz)
- Examples in React, raw HTML, PHP
- Same API in Sandbox and Live
<script src="https://unpkg.com/@taprail/checkout"></script>
<script>
// Your server creates the order with your secret key:
// POST https://api.taprail.app/v1/merchant/orders
// → { id, deep_link, amount_kobo, ... }
Taprail.open(intent, {
onSuccess: (r) => console.log("paid", r.transaction_reference),
});
</script>Pricing
1% per order, capped at ₦1,000.
Less than the 1.5% most processors charge — and a lower cap on top. No setup fee, no monthly minimum, nothing to lease. Moving real volume? We'll go lower.
FAQ
Common questions
Do my customers need a Taprail account?
Yes — they pay with a card already saved in their Taprail wallet. That's what keeps card details off your systems. Most shoppers sign up in the minute before they pay.
What if a customer doesn't approve?
Orders expire after 30 minutes if not approved. You can poll, listen to the order.expired webhook, or cancel the order yourself.
When does the money hit my account?
We transfer approved orders straight to your bank account. In sandbox the payouts are simulated; live, they settle to your account on a next-day schedule.
Can I refund a customer?
Yes, from the partner dashboard or via the API. The full charged amount is refunded; the Taprail fee is non-refundable by default.
How do I go live?
Sign up, build in sandbox, then ask us to enable live mode. Once we flip the switch you can mint a live API key and start accepting real payments.
Start in sandbox in 60 seconds.
Self-serve onboarding. Live mode is one chat away.