Your own loyalty program. Zero fees on payments.
tapara gives businesses the same unified commerce capabilities that enterprise brands pay hundreds of thousands for. Custom loyalty programs, customer recognition at the moment of payment, and a consumer app you didn't have to build. Accept payments with zero merchant service fees — no interchange, no scheme fees, no terminal.
Zero merchant service fees
No interchange. No switch fee. No scheme fee. No acquirer margin. No terminal. No contract. Payments go directly via Open Banking.
Your own loyalty program
Design tier names, progression rules, and benefits. Your brand, your rules.
Know every customer
Every tap tells you who. Name, tier, usual order, visit history. No loyalty card required — recognition happens automatically at the point of payment.
Bring them back
Sarah hasn't visited in 3 weeks. Send her a voucher. Automated triggers keep your business top-of-mind and your regulars coming back.
See what your day looks like.
When a customer taps in, you see their name, their history, and their usual — before they order. After hours, dive into analytics that paywave never gave you.
Customer checks in
Your analytics dashboard
The surcharge ban is coming. Mid-2026.
The NZ government is banning in-store payment surcharges. If you currently pass card fees to customers, you'll soon absorb 0.7–2.5% on every transaction. tapara has zero merchant service fees — and gives you customer intelligence that paywave never will.
Compare the difference
| Features | Visa / Paywave | Payap | tapara |
|---|---|---|---|
| Merchant service fee | 0.7–2.5% | 0.39% | $0 |
| Terminal needed | Yes | Yes | No |
| Payment UX | Tap | QR code scan | Tap |
| Customer identity | Anonymous | No | Full profile |
| Loyalty program | None | None | Built in |
| Business analytics | None | Coming soon | Core product |
Payap identifies a transaction. tapara identifies the customer, runs their loyalty program, and costs nothing. Those are completely different products.