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TAP Pay
TAP Pay is the payment layer inside TAP.
TAP Pay can enable
  • points per euro spent
  • cash back
  • credit back
  • store credit
  • gift cards
  • subscriptions / memberships
  • better spend-based customer insight
The most basic TAP Pay setup
The simplest version is:
customers pay with TAP and earn points per euro spent
Everything else is optional.
Business benefit
TAP Pay helps you connect rewards to actual spending, which can help drive:
  • more repeat visits
  • more spend
  • stronger customer habits
  • better insight into your best customers
  • ZERO fees to accept payment
Understand why TAP Pay can make you more money
TAP Pay is not just another payment method.
It is a revenue tool.
Why it matters
With TAP Pay, you can:
reward spending directly
encourage customers to come back
sell prepaid value
create subscriptions
drive more traffic in slower times
make revenue more predictable
Business benefit
TAP Pay can help you:
Increase Visit Frequency
Increase Customer Lifetime Value
Get Paid Upfront Through Credit/Gift Products
Create Recurring Revenue Through Subscriptions
TAP Pay Quick Start (Merchant)
1
Create the merchant wallet
Before you can use TAP Pay, you must create a wallet for that merchant.
  1. Open the TAP app
  1. Go to your merchant page
  1. Tap Wallets
  1. Create a wallet in the correct currency — usually EUR
  1. Deposit €5 to activate the wallet

This €5 is required for wallet activation / KYC. The money goes into the merchant wallet, which is separate from your personal wallet.
2
Find your wallet tools
Once the merchant wallet is active:
  1. Go to the merchant page
  1. Tap Wallets
  1. Tap the down arrow next to the wallet balance
From there, you can:
  • Generate QR code
  • View transaction history
  • Top up the wallet
  • Request a withdrawal to a bank account (fees may apply)
Static QR Code (easiest setup)
With a static QR, the customer enters the amount.
How to generate it:
  1. Go to the merchant page
  1. Tap Wallets
  1. Tap the down arrow next to the balance
  1. Tap Generate QR code
What to do with it: print it and place it at the counter / host stand / bar / reception. Customers scan it in TAP and type the amount themselves.
Customer flow:
  1. Customer opens TAP
  1. Taps Scan
  1. Scans your static QR
  1. Enters the amount
  1. Confirms payment
  1. Shows the ✅ Paid screen

Staff reminder — Check: ✅ Paid · correct amount · correct merchant name
Dynamic QR Code (more controlled)
With a dynamic QR, the merchant enters the amount first and the QR includes that amount. A merchant device is required as these QR codes are generated in real time.
How it works:
  1. Open the correct merchant account
  1. Enter the amount to be paid
  1. Generate/display the dynamic QR
  1. Customer scans it in TAP
  1. Customer confirms payment
  1. Customer shows ✅ Paid
Best for:
  • tighter control over payment amount
  • fewer customer input mistakes
  • more structured checkout
Partial payments
If a customer's TAP balance does not cover the full amount: customer pays part with TAP, customer pays the rest by cash or card.
Example: Bill = €27.50 · TAP pays = €20 · customer pays remaining €7.50 by card/cash
If something goes wrong
  • If the amount is wrong, collect the difference by cash/card
  • If there is an error or a refund is needed, contact TAP support
  • Always verify the ✅ Paid screen before treating payment as complete
Simple rule
Static QR = easiest  |  Dynamic QR = more controlled
For most merchants, the easiest launch is:
  1. create wallet
  1. activate with €5
  1. generate static QR
  1. print it
  1. start accepting payments
Decide when to add TAP Pay
TAP Pay is optional. You do not need it to start with TAP.
Add TAP Pay when you want to:
  • reward points per euro spent
  • connect rewards directly to spending
  • offer cash back or credit back
  • sell store credit or gift cards
  • launch memberships
  • understand who your top-spending customers are
Best way to think about it
  • Core TAP helps you build engagement and a repeat-customer base
  • TAP Pay helps you monetize that base more deeply
Business benefit
Core TAP helps you build the audience.
TAP Pay helps you do more with it.
The big takeaway
TAP helps you make more money by helping you:
increase repeat visits
bring in new customers through referrals
strengthen trust through reviews
grow a base of past customers you can re-engage later
and, if you add TAP Pay, connect rewards directly to revenue
Your first job is simple
01
Create your merchant
02
Make TAP visible
03
Brief your staff
04
Get customers interacting
That is how TAP starts compounding for your business.