Merchants

Get paid instantly

Why wait a day or more to receive money you’ve already earned? Traditional card payments have made delayed settlement feel normal. TappiPay changes that by giving merchants faster access to funds, with the flexibility to receive money in real time or let it build up as a float for later use.

Instant settlements
Access your money as payments happen.

24/7
ACCESS TO FUNDS

No weekend delays
Get paid without waiting for banking hours.

0
1
EXTRA WAITING DAYS

Build a float
Pay via the TappiPay app or Whatsapp.

SMARTER CASH FLOW

More control
Manage incoming funds around your business needs.

100%
6
1
2
3
4
5
PAYMENT FLEXIBILITY

More ways to move and manage your money with TappiPay

Accept payments instantly

Receive customer payments through an instant-payment rail designed for speed and flexibility. Instead of waiting for card settlements, TappiPay helps merchants access funds faster and manage cash flow more efficiently.

Payment successful confirmation showing R 370.00 paid to Urban Threads on 9 Mar 2026 at 14:36 with reference TTP-2026-84721.
Use your float to do more

As payments build up, merchants can use their float for supplier payments, cash-in and cash-out services, and more day-to-day business activity without first needing to bank cash.

Payment interface with a QR code valid for 7 minutes, option to pay via bank account or PayShap ID, fields for bank selection and account number, and a purple Pay button.
Receive Payments Instantly.
Receive Payments Instantly.
Receive Payments Instantly.

The power of instant settlement for merchants

Delayed settlement puts pressure on business cash flow. TappiPay helps merchants access money faster, so they can keep operations moving without waiting for the next business day. Funds can be received in real time or allowed to build into a float, giving merchants more flexibility in how they manage payments.

How it works

When a customer pays through TappiPay, the transaction is processed instantly. Merchants can access those funds sooner, or let them accumulate as a float for future use.

Built for real business use

No waiting over weekends. No unnecessary delays. Just faster access to the money your business has already earned.

Tablet screen showing tappipay transaction dashboard with total transactions, volume, success and failure rates, and a list of recent transactions by Thandi Nkosi via QR app bank transfer.
TappiPay — Savings Calculator
PayShap-powered payments

Stop paying too much in fees

See exactly how much your card machine is costing you — and what you could save by switching to TappiPay.

Step 1 of 3
Tell us about your business
Takes 60 seconds. No sign-up needed.
R
Your best estimate is fine — we'll work with it
⚠ Please enter your monthly turnover to continue
No data stored. Estimates only.
How do customers pay?
SA defaults are pre-filled — adjust if you know your mix
Debit cards ~2% fee
%
Credit cards ~3% fee
%
Other ~3.4% fee
%
Total 100%
R
Used to estimate your monthly transaction count
Your savings potential
You're overpaying every month
Annual saving
R0
Per month
R0
Current monthly fees
R0
Blended rate: 0%
TappiPay monthly fees
R0
At 0.6% flat (PayShap)
Saving percentage
0%
Less fees vs current
5-year cumulative
R0
Projected total saving
Fee comparison
Current fees
R0
TappiPay fees
R0
Debit card fees (2%) R0
Credit card fees (3%) R0
Other payment fees (3.4%) R0
Total current fees / month R0
Your personalised insight
Calculating your personalised insight…
Ready to keep more of your revenue?
Join South African merchants already saving with TappiPay

Estimates based on standard SA card machine rates. TappiPay rate at 0.6% (PayShap).
Actual savings may vary. View full pricing · Privacy policy

T

TappiPay Assistant

Online · Typically replies instantly