Embedded payments · for vertical SaaS

Tap-to-pay infrastructure for platforms expanding to APAC.

Tapped is the embedded tap-to-pay infrastructure for vertical SaaS platforms in APAC. One SDK, certified kernels, scheme filings handled, your customers accept contactless on the device they already own. You earn the spread.

PCI & EMV L3, handled
Live in PH · 8 markets rolling out through ’27
12-day avg go-live
Live revenue
acct_live · Sample POS platform · SG
Streaming
SGD 18,420.65 +24.1%
Today · all merchants · interchange++
00:0006:0012:00now
14:32:18tx_01HNZ9K4M7G3SGD 14.80
14:32:14tx_01HNZ9K4LX0QSGD 86.40
14:32:11tx_01HNZ9K4LP21SGD 7.20
14:32:09tx_01HNZ9K4LF9RSGD 142.00
14:32:05tx_01HNZ9K4L82VSGD 23.50
14:32:01tx_01HNZ9K4KV7CSGD 64.90
Powering in-person payments for vertical SaaS across APAC
Hotel PMS
F&B POS
Booking
Field Services
Healthcare
Auto Repair
Fitness
Built for vertical SaaS

You know your industry. We know payments. Together we expand your TAM.

Every vertical we serve has the same arc: software-only at first, then payments take over as the most important revenue line. Tapped gets you there in weeks, not the 18 months it takes to build it yourself.

For F&B SaaS · Restaurant POS & ordering platforms

Every server's phone is now a card reader.

Leading restaurant POS platforms across APAC use Tapped to skip terminal hardware entirely. PIN-on-Glass on the staff's existing Android lets your merchants accept tap-to-pay at the table the day they sign up. No 6-week courier delay. No leasing contracts. No reconciliation across two vendors.

3.2×
ARPU lift after enabling Tapped Terminal
42 sec
Server-tap to receipt, table-side
See the F&B integration guide
app.yourpos.io / order/A12 / pay
Table A12 · Order #4019
Hainan chicken set ×2
+ kopi · + barley
SGD 28.40
Service charge 10%
GST 9% applied
SGD 5.40
Tap to payPowered by Tapped Terminal
SGD 33.80
For salon, spa & wellness booking platforms

Booking, service, payment, one flow, one app.

Salon, spa & wellness booking platforms: your stylist taps "Complete service" and the customer taps their card. No separate reader to misplace. No "the EFTPOS machine is down again" ticket on Sunday morning. Tipping, gratuity splits, and per-stylist commission settlements run on the same Tapped Ledger.

+18%
Avg tip captured at terminal vs. cash-out
96%
Same-day attach rate to existing bookings
See the wellness integration guide
app.yoursalon.co / booking/8842 / checkout
Aiko M. · 14:00 · Stylist Mei
Cut + colour balayage
90 min · Mei (senior)
SGD 215.00
Suggested tip · 15%
Auto-split to Mei
SGD 32.25
Hand to client · tap to payTip captured pre-auth
SGD 247.25
For field service & dispatch platforms

Get paid at the door. Not 30 days later, in a chase email.

Dispatch & field-service platforms: the technician closes the job ticket and the customer taps before they leave the driveway. Receivables collapse from DSO 38 to same-day. We've seen plumbing & HVAC platforms cut bad debt by 70% in the first quarter.

−72%
Bad-debt write-offs, first 90 days post-launch
T+1
Payouts to your contractor's bank
See the field-services guide
app.yourfieldops.work / job/JK-3041 / close
Job JK-3041 · Tan Residence · Bukit Timah
Aircon servicing · 2 units
Gas top-up · filter clean
SGD 280.00
Call-out fee
After-hours surcharge
SGD 60.00
Customer tap to confirmReceipt sent via SMS & WhatsApp
SGD 340.00
For clinic, dental & allied-health platforms

Copays at the front desk. Reconciled to the EMR by lunch.

Clinic, dental & allied-health EMR platforms: collect patient copay at check-in or at-discharge, post the journal entry to the patient's chart, and net out the insurer share against the practice's payout. Tapped is on the SingHealth, BPJS, and PhilHealth scheme integration roadmap.

99.4%
Auto-reconciliation to patient charts
SOC 2 · HIPAA-aligned
PHI handled separately from PAN data
See the healthcare guide
emr.yourclinic.health / visit/V-9012 / discharge
Patient · Lim S. · MRN 4498211
Consultation · Dr. Wong
GP visit · 20 min
SGD 95.00
Insurance share · AIA
Net of patient copay
−SGD 65.00
Patient copayPosts to chart on success
SGD 30.00
For gym, studio & fitness management platforms

Memberships on file. Drop-ins on tap.

Gym, studio & fitness management platforms: stored credentials for monthly recurring + Tapped Terminal for the walk-in cyclist who forgot their membership card. Both run through the same Tapped balance. One settlement. One ledger. One tax line.

+11%
Class-pack revenue from drop-in capture
0.2 %
Card-on-file decline rate vs. industry 1.8%
See the fitness guide
studio.gymform.app / checkin/walkin
Walk-in · Spin Class 18:30 · Loft Studio Tg.Pagar
Drop-in · 60 min spin
Includes towel + shower
SGD 38.00
Convert to class pack?
5-pack · save 22%
SGD 148.00
Tap to check inAuto-tokenise card for next visit
SGD 38.00
For workshop, automotive & repair platforms

The estimate, the work order, the payment, one flow.

Workshop, automotive & repair platforms: the customer approves the quote on their phone, the service advisor adds parts mid-job, and the final invoice is taken on tap when the keys come back. Deposit, top-up, and refund, same flow.

−4 days
DSO improvement vs. invoice-and-chase
2.4×
Cards on file after first transaction
See the workshop guide
shop.yourworkshop.app / ro/RO-7741 / handover
RO-7741 · Toyota Vios · SLT2231Z
Major service · 60k km
Oil + filter + brake check
SGD 480.00
Deposit captured online
Net of pre-auth on Mar 14
−SGD 100.00
Tap to settle balanceSave card for future jobs
SGD 380.00
For hotel PMS & hospitality platforms

From reservation to folio to final tap, one rail.

Hotel PMS & hospitality platforms: authorise on check-in, incidentals and F&B post straight to the folio, and the guest taps once on check-out. Deposits, partial refunds, split folios, and group masters all settle through the same Tapped Ledger, in the guest's card currency and the hotel's payout currency.

−63%
Chargebacks vs. MOTO & key-in
11 markets
DCC-ready on day one, one payout
See the hospitality guide
app.yourpms.local / reservations/RSV-8812 / checkout
RSV-8812 · Deluxe King · 3 nights · 2 guests
Room & tax · 3 nights
Deluxe King · 1204
SGD 1,140.00
F&B & minibar
4 posts from outlet & IRD
SGD 186.40
Pre-auth on check-in
Visa · 4242 · Mar 14
−SGD 500.00
Tap to check outFolio closes · receipt emailed
SGD 826.40
The economics

Why every vertical SaaS founder is moving toward payments.

The math is the same in every category. Software margin is healthy but capped. Payments adds a uncapped, usage-aligned revenue line, and your competitors are about to ship it whether you do or not.

Payments often outgrows your SaaS revenue.

Within 18 months of launch, embedded payments typically reaches 2–4× the SaaS subscription revenue per customer for the verticals we serve.

Stickier customers, lower churn.

SaaS+payments customers churn at roughly ⅓ the rate of SaaS-only customers. Once their money flows through you, they don't leave for the next prettier UI.

One vendor instead of three.

You replace your merchant's separate gateway, terminal lease, and reconciliation tool. Tapped is the only payments line on their P&L, and the only one on yours.

Built for years 2–18, not weeks 1–6.

You stay focused on the vertical. We do the kernel updates, scheme audits, central-bank filings, dispute logistics, every business day for the next decade.

Tapped Onboard

Onboard any sub-merchant, on any Asian acquirer, through one API.

Every acquirer in every market wants different documents, different risk rules, different submission formats. Tapped Onboard makes that disappear. Your platform calls one endpoint; we determine the acquirer, collect the right data, run KYB and sanctions, apply their underwriting, and return an approval. No per-market compliance stacks. No acquirer-specific code.

  • Acquirer profile engine. Documents, field rules, risk appetite, submission format, versioned per acquirer, per market. Profiles are data, not code.
  • Identity & KYB orchestration. Sumsub or Persona behind a single interface. Vendor routed per acquirer, results normalised to pass / review / fail.
  • Rules-based risk scoring. MCC, volume estimate, geography, adverse signals. Maps to auto-approve, review, or reject, thresholds set per profile.
  • Sanctions & PEP screening. Every merchant and beneficial owner, at onboarding and on a schedule thereafter. Positive matches routed to manual review.
  • Stateful, resumable. A full state machine with webhooks on every transition. Merchants can leave and resume without starting over.
  • Ongoing monitoring. Adverse media, sanctions updates, re-verification triggers, volume anomalies, surfaced in the ops console.
  • White-label by default. The Tapped Onboard name never appears to the end merchant unless you want it to.
  • Full decision audit trail. Every approve, reject, and review is logged with the checks, scores, and rules behind it, ready for acquirers and regulators.
Standalone product Architecturally decoupled from orchestration Licensable by acquirers & PSPs directly
Platforms
POS SaaS
Marketplace
Booking app
Upward interface, v1
POST /v1/merchants // initiate
POST /v1/merchants/{id}/documents
GET  /v1/merchants/{id}/decision
HOOK merchant.approved · review · rejected
Tapped Onboard engine
identity verification
KYB document collection
sanctions & PEP screen
risk score & thresholds
acquirer profile match
format translation
submission + retry
state machine + webhooks
Downward interface, acquirer adapters
RCBC PH · Q1 '27
Japan JP · Q2 '27
Thailand TH · Q2 '27
Singapore SG · Q3 '27
Malaysia MY · Q3 '27
Hong Kong HK · Q3 '27
How it works

From SDK install to first live tap in under 30 lines of code.

Tapped exposes one client SDK and one server SDK. Everything, kernel selection, PIN fallback, scheme routing, dispute notifications, happens behind the same five primitives.

01

Install the SDK

One package on your server, one on your mobile client. Sandbox keys auto-issued.

02

Onboard a sub-merchant

Tapped Onboard picks the right acquirer profile (RCBC, DBS, whichever), collects the right docs, runs ID + sanctions + PEP, and returns an approve / review / reject. One endpoint, every market.

03

Create an intent

Pass amount, currency, and merchant ID. Tapped resolves the cheapest available rail.

04

Take the tap

SDK presents the contactless reader UI on the merchant's phone. PIN-on-Glass when needed.

05

Listen to webhooks

Settled, refunded, disputed, every state change posted to your endpoint with idempotent IDs.

// 01: install & init the server SDK
import { Tapped } from '@tapped/server';

const tapped = new Tapped({
  apiKey: process.env.TAPPED_KEY,
  platform: 'your_platform',
});

// Sandbox is live the moment you `npm i`.
// 9 markets on the roadmap, 1 SDK, no waitlist.
Product surface

Five products. One platform. Licensable individually.

Every Tapped customer uses a different subset. Pick the ones you need, skip the ones you’ve already built.

Your economics, your model

Set your spread. Keep your spread.

Tapped charges you interchange + 0.15%. You set the price your merchants pay. Whatever sits in between is yours, billed to the merchant, paid to you, every time a card taps.

  • No revenue split with us. We take a flat fee, never a take rate.
  • Per-merchant pricing controls. Charge a hair salon differently than a steakhouse.
  • Real-time payouts available. T+1 default, T+0 in 4 markets.
  • Tax invoices, statements, and 1099-equivalents per market, auto-generated.
Revenue calculator · per merchant · per year Live
Annual platform GMVSGD 156.4M
Tapped infrastructure costSGD 234.6K
Your annual payments revenueSGD 1.02M
Excludes interchange (passes through). Assumes 365 active days. Indicative, your scheme mix and market routing will vary.
Coverage

One rail today. Nine by end of ’27. One contract, one settlement.

Certified rails, local scheme partnerships, and in-country payout networks, all behind a single Tapped account. Philippines is live on RCBC; eight more markets roll out quarter by quarter through 2027. Add a market with a flag flip; we handle the central-bank filing.

Philippines
PH · PHP
Live
VisaMastercardBancNetInstaPay
Japan
JP · JPY
Q2 ’27
VisaMastercardJCBiDQUICPay
Thailand
TH · THB
Q2 ’27
VisaMastercardPromptPayJCB
Singapore
SG · SGD
Q3 ’27
VisaMastercardNETSJCBUPI
Malaysia
MY · MYR
Q3 ’27
VisaMastercardMyDebitDuitNow
Hong Kong
HK · HKD
Q3 ’27
VisaMastercardUnionPayFPS
Indonesia
ID · IDR
Q4 ’27
VisaMastercardQRISGPN
Vietnam
VN · VND
Q4 ’27
VisaMastercardNAPAS
South Korea
KR · KRW
Q4 ’27
VisaMastercardBC Card
We were quoted 14 months and a six-figure compliance budget to add tap-to-pay ourselves. Tapped had us live in the Philippines in 19 days, with Thailand and Japan pre-booked for Q2. It's already our second-largest revenue line.
SK
Shu Kuan
CTO · Vertical SaaS platform · Singapore
19 days
From SDK install to first live merchant
3
Markets activated at launch
SGD 38M
Annualised GMV in 9 months
#2
Revenue line on their P&L
Pricing

One blended rate per market. You keep 100% of your markup.

Whatever spread you charge your sub-merchants, it lands in your revenue, never ours. No take-rate, no revenue share, no surprises.

Sandbox
Free
Build and certify against the full API before touching production.
  • All 9 markets in sandbox
  • Mock kernels & webhooks
  • Community Slack
  • Single test merchant
Start free
Platform
Your sub-merchants see
2.953.45%
You keep 0.50–1.00% on every transaction. Set it per merchant via the Pricing API.
  • Production kernels · all live markets
  • Tap Terminal SDK (PIN-on-Glass)
  • Tapped Onboard (PSP-agnostic)
  • T+2 multi-currency payouts
  • Standard support · business hours
You pay Tapped2.45% + $0.10
Suggested merchant rate2.95–3.45%
Start self-serve or talk to sales for >USD 50M volume →
Enterprise
Custom
For platforms processing >USD 250M annually.
  • Volume-tiered infrastructure fee
  • Dedicated BIN sponsorship
  • Private kernel forks & HSM
  • Named SLA engineer
  • Custom scheme filings
Talk to sales
Add-on

Premium support

24/7 engineering on-call, <1h P1 response, dedicated Slack, T+1 payouts, QBRs. Available on Platform & Enterprise.

40,000/year
Add to plan
Compare all features & plans
Common questions

The questions every vertical SaaS founder asks us in the first call.

Don't see yours? Our solutions team replies within four business hours.

Email hello@tapped.cc
You stay the platform; your customers stay the merchants. Tapped operates as the licensed acquirer behind the scenes, we hold the scheme licences, you hold the customer relationship. PayFac-as-a-service, without the 18-month buildout.
Most platforms qualify for SAQ-A scope because PAN data never touches your servers, the Tapped SDK tokenises at the secure element. We provide the scoping letter and walk your QSA through it.
Any NFC-capable Android 9+ phone or iPhone XS+. No dongles, no terminals, no leases. PIN-on-Glass certified for transactions above the local CVM limit.
Tapped Disputes pulls all evidence, receipt, terminal logs, geo-fingerprint, EMV cryptogram, into one filing. We submit to the issuer on your behalf. Win-rate across our F&B book in 2025 was 71%.
Yes. Tapped charges you a simple blended % fee + a nominal fixed amount per transaction. You set the price your merchants pay per merchant or group via the Pricing API.
Tap Companion: a thin native app on the merchant's phone pairs to your web checkout via QR. Web stays the source of truth; the phone is just the contactless reader. Most platforms ship this in a week.
Ready when you are

Ship the payments line your competitors are still scoping.

Sandbox keys in 60 seconds. A real merchant taking real taps in 19 days. The sales pipeline you'll point to next quarter.