On-site commerce, rewired.
Tapara translates the payments landscape into a local network with better economics — for merchants and consumers alike.
The economics are broken.
Every card tap costs a merchant 2–3% in processing fees. Loyalty programs are fragmented across paper cards, third-party apps, and POS add-ons. Consumer data sits locked inside payment networks that don’t share it back.
The result: merchants pay more, know less, and compete blind. Consumers carry a dozen loyalty cards and get nothing for their habit.
A local network changes everything.
Tapara builds a direct relationship between merchants and their regulars. When payments move through open banking instead of card networks, the fees drop to near zero. When loyalty lives on a shared platform, every visit counts — automatically.
This isn’t a terminal replacement. It’s a new layer of commerce infrastructure where the merchant-consumer relationship is digitized, and the economics work for both sides.
What the platform does today.
Every piece is live and in production. No waitlists within the product — merchants get the full platform from day one.
Near-zero-fee payments
Open banking, QR codes, and cash. Every payment channel in one app. Bank payments carry near-zero merchant fees — the consumer pays directly from their bank account to the merchant’s.
Custom loyalty programs
Merchants design their own tiers, punch cards, vouchers, and win-back campaigns. Consumers progress automatically based on visits and spend. No paper cards, no third-party apps — it’s built into every transaction.
Prepaid bundles
Customers prepay for items at a discount — 5 coffees, 3 lunches, any mix they choose. Bundle items auto-apply at checkout. Bigger tickets upfront, committed regulars, fewer small transactions.
QR payments
Accept payments from anyone — no app required. The merchant generates a QR code, the customer scans it, reviews the order, and pays directly from their bank. Works for markets, pop-ups, or any off-counter scenario.
NFC check-in
Customers tap their phone on the merchant’s Tapara check-in tag to check in. The merchant sees who they are, their loyalty tier, visit history, and preferences — before the order is placed.
Where the platform is going.
The foundation is payments and loyalty. But once you have a trusted local network between merchants and consumers, with real transaction data and direct banking rails, the surface area expands.
Credit. Pre-orders. Subscriptions. Merchant analytics. Every commerce primitive that currently requires a separate vendor, a separate integration, and a separate fee — collapsed into the platform.
The economics are better because the network is local and the rails are direct. No intermediary taking 2.65% on every card tap. No third-party loyalty app skimming margin. No BNPL provider charging merchants 4–6% to let customers pay in instalments. The value stays between the merchant and the consumer.