Pricing: Usage-based, no contract lock-in

How you make money. Your platform pays Tapped 2.99% + $0.07 per tap, then charges your sub-merchants 0.5–1% on top. The spread is yours. We publish the rate; you keep the margin; the sub-merchant sees one clean price. No monthly SaaS fees on either side.

Self-serve Platform

Platform

For vertical SaaS products embedding tap-to-pay into their core flow. Ship in days; scale to a billion in GMV without renegotiating.

2.99% + $0.07 per tap

Same rate across every live APAC market.

Your margin, every transaction

You pay Tapped2.99% + $0.07

Your suggested markup+0.50% to +1.00%

What your sub-merchant sees3.49% – 3.99%

Usage-based only. No monthly SaaS fee, no per-seat charge, no setup cost. If a tap doesn't happen, you don't pay for it.

Start self-serve Talk to sales

Everything included

Production EMV kernels across all nine APAC markets
Tap Terminal SDK, iOS, Android, PIN-on-Glass
Tapped Onboard, PSP-agnostic sub-merchant KYB
Tap Ledger, multi-currency T+1 payouts
Scheme filings handled, Visa, Mastercard, JCB, UnionPay
24/7 engineering Slack & <1h P1 response
Sandbox, staging, and production environments
No minimum volume · No setup fee · No SaaS subscription

Add Premium Support for +0.05% per tap, named TAM, 15-minute P1 response, quarterly business reviews.

Enterprise

For platforms processing above USD 250M annually, or with custom licensing, BIN, or scheme requirements. Priced to your volume profile.

Custompricing

Volume-tiered. Lower as you grow.

What changes at enterprise

Volume-tiered blended ratedown to ~1.10%

Dedicated BIN sponsorship✓

Private kernel fork + HSM✓

Named SLA engineer✓

Custom scheme filings✓

Still usage-based. Annual commitment instead of month-to-month, but no SaaS subscription layered on top of the processing rate.

Talk to sales

Everything in Platform, plus

Volume-tiered infrastructure fee (lower rate at scale)
Dedicated BIN sponsorship through Tapped bank relationships
Private kernel forks with hardware-backed keys
Custom scheme & regulator filings (CAFIS, FPX, DragonPay, etc.)
99.995% uptime SLA with credits
Annual contract · invoice billing
Data residency options (SG, JP, AU)

Add Premium Support for white-glove onboarding, named TAM + on-call engineer, and 5-minute P1 response. Priced into your contract.

No SaaS Fees

Usage-based. Only.

Payments infrastructure has gotten used to double-dipping, a processing rate and a SaaS subscription on top. We don't. If your platform doesn't process a tap this month, you don't owe us anything. Ever.

Monthly platform fee

Setup & onboarding

Per-seat / per-user

0 mo

Contract lock-in

The Platform plan is month-to-month, cancel any time, for any reason, without fees or penalty. Enterprise is an annual commitment because the work we do (dedicated BINs, private kernels, custom filings) takes months to set up; the economics are still pay-as-you-go on volume.

Add-on · Available on any plan

Premium Support.

An optional upgrade to the support tier on either the Platform plan or Enterprise. Same team that shipped the product, now assigned to your account with faster response times and a standing relationship.

Add to Platform

+0.05%per tap

Premium Support for Platform

Upgrade from the standard 1-hour P1 response to something closer to an embedded team. Stays usage-based; add or remove by changing a flag in your dashboard.

Named technical account manager
15-minute P1 response (vs 1h standard)
Quarterly business reviews with engineering leadership
Annual on-site workshop (up to 2 engineers, your office)
Priority feature request queue

Add to Enterprise

Quotedin contract

Premium Support for Enterprise

Everything in the Platform tier, deepened. For platforms with 24/7 production-critical flows, regulated environments, or cross-jurisdiction operations.

Named TAM + dedicated on-call engineer
5-minute P1 response, 24/7, with escalation pager
White-glove launch, dedicated implementation team
Quarterly on-site reviews (your office, every major HQ)
Direct escalation to product & engineering leadership
Regulatory liaison for MAS, BI, BSP, BNM filings

Compare plans

Every feature, side by side.

Platform is the right fit for almost every platform launching with Tapped. Enterprise makes sense when your volume, custom risk profile, or data-residency needs justify a dedicated arrangement.

	Platform · self-serve	Enterprise · talk-to-sales
Commercial
Pricing model	Flat 2.99% + $0.07 per tap (every market)	Volume-tiered · interchange++ available on request
Monthly SaaS / platform fee	$0 · ever	$0 · ever
Setup fee	$0	$0
Monthly minimum	None	Negotiated
Your platform markup	Suggested 0.5%–1.0% · you set it	Uncapped · you set it
Billing	Monthly card · auto-debit on usage only	Monthly invoice · net-30 · usage-based
Contract	Month-to-month · cancel any time	Annual commitment
Enterprise-grade Premium Support	Optional add-on · +0.05% per tap	Optional add-on · priced into contract
Rails & coverage
Live markets	9 APAC (SG, JP, HK, MY, TH, ID, PH, VN, KR)	9 APAC + custom expansion on request
Card schemes	Visa, Mastercard, JCB, UnionPay, Amex (SG/JP)	All of Platform + Discover, Diners, RuPay routing
Local rails	PayNow, PromptPay, QRIS, DuitNow, InstaPay	All of Platform + FPX, CAFIS, DragonPay direct
BIN sponsorship	Shared via Tapped partner banks	Dedicated BIN in your name
Product
Tap Core, EMV kernels	Production	Private fork + HSM
Tap Terminal, PIN-on-Glass SDK	iOS & Android	+ custom OEM support
Tapped Onboard, PSP-agnostic KYB	All destinations	+ bring-your-own PSP templates
Tap Certify, scheme filings	Standard filings	Custom central-bank filings
Tap Ledger, payouts	T+1 default · T+0 in 4 markets	T+0 every market · real-time option
Compliance & security
PCI DSS Level 1	✓	✓
Data residency	Singapore (default)	SG, JP, AU · customer-managed keys
Audit log retention	7 years	7 years · customer-exportable
SSO / SAML	Google & Microsoft	Any SAML 2.0 / OIDC IdP
Support & SLA
Uptime SLA	99.95%	99.995% · service credits
Standard support	24/7 engineering Slack	Named TAM · dedicated on-call
Standard P1 response	< 1h P1 · < 4h P2	< 15m P1 · < 1h P2
With Premium Support add-on	< 15m P1 · named TAM · QBRs	< 5m P1 · on-site QBRs · regulatory liaison
Onboarding	Self-serve docs & sandbox	Dedicated launch team · on-site option

Pricing questions, answered.

Most of what founders ask us in the first call is about economics, how you make money, what we take, what happens at scale. If yours isn't here, email hello@tapped.cc.

Are there any monthly SaaS fees?+

No. Not a platform fee, not a seat fee, not a setup fee. We only charge when a tap settles. Payments infrastructure that double-dips with a processing rate and a SaaS subscription is an industry habit we chose not to adopt, if you don't process this month, you owe us nothing.

Is there a contract lock-in?+

The Platform plan is strictly month-to-month, cancel any time, for any reason, without fees or penalty. Enterprise is annual, because dedicated BINs, private kernels, and custom regulator filings take months to set up and we can't run those at-cost on a 30-day commitment. The economics remain usage-based either way.

Why one flat rate across all nine markets?+

Because platforms want predictable unit economics, not nine different rate cards to reconcile. We absorb the regional cost variance on our side so your pricing page can quote one number to every sub-merchant, everywhere. Interchange++ leaks complexity into your finance team, your statements, and your support queue. We'd rather carry that.

How much of the rate is Tapped's margin?+

Enough to run a regulated payments business and keep investing in coverage, and small enough that you have real room to mark up on top. We don't publish the exact split because merchants don't pay margins, they pay rates, and a published margin invites negotiations that eat into your own room to price. At Enterprise volume, we'll share the breakdown under NDA.

Can I mark up more than 1%?+

Yes. Our 0.5–1% suggestion is the sweet spot where your platform is profitable and your sub-merchants still see a competitive all-in rate versus Stripe / Adyen. Some platforms in underserved verticals (field services, auto repair) charge 1.5% and still win on convenience. Your call.

Is the $0.07 per-tap fee passed through or margin?+

It's a mix: the scheme and authorisation networks charge a per-transaction fee that we cover within that $0.07. At Enterprise volume it often drops or becomes pure pass-through.

Is Premium Support a separate plan?+

No, it's an optional add-on available on either the Platform or Enterprise plan. On Platform it's +0.05% per tap and you can add or remove it from the dashboard; on Enterprise it's priced into your contract. Both keep the same usage-based logic as the rest of the product.

When does it make sense to move to Enterprise?+

When your annualised processed volume clears USD 250M, or when you need a dedicated BIN in your name, private kernel forks, customer-managed keys, or data residency outside Singapore. Most platforms happily stay on Platform until the first condition.

What if a market isn't yet live?+

You can start with an adjacent PSP via Tapped Onboard (Stripe, Adyen, Airwallex) using the same sub-merchant record, and route to Tapped when we go live in that market. Zero merchant re-onboarding. See Tapped Onboard for the details.

Can we invoice sub-merchants directly?+

Yes. Platforms on Tapped keep the merchant relationship, the merchant statement, and the branded experience. Tapped is invisible to the end merchant unless you want it surfaced.

One flat rate. Every market. No SaaS fees.