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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
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

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.