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Touch and Pay (TAP)
An NFC-based mobile payments and services platform for transport operators and other service providers to capture offline and online micro-payments via card and app.
Touch and Pay (TAP) Product Overview
Is Touch and Pay (TAP) Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Transport operators
- Bus fare collection
What It Does Well
- Offline NFC payments
- Online micro-payments
Things to Check
- Nigeria and Rwanda coverage
- Supported cards and phones
About Touch and Pay (TAP)
TAP (Touch and Pay Technologies Limited) is an NFC-based mobile payments and services platform for organizations that need to digitize and process micro-transactions, especially in cash-heavy sectors such as public transportation.
Key capabilities include:
- Offline payments with Cowry card, enabling tap-to-pay transactions that work without strong network connectivity for everyday services like transport fares
- Online wallet payments with the Cowry app, allowing users to pay for services from an in-app wallet
- Business visibility and settlement support, with a backend dashboard and reporting system designed to give operators visibility into transactions and improve accountability
- Sector use-cases, including transportation, health (Health Touch), identity management, events, education, and agency services, plus merchant payment support within the Cowry ecosystem
Available on Web (corporate site and service/operator tools implied) and Android (Cowry payments app).
Designed for transport operators, health providers, event and education service operators, agencies, and other organizations collecting frequent low-value payments, as well as the end consumers who pay with Cowry cards or the mobile app.
Notable in the African market for its focus on capturing both offline and online payments for informal-sector use cases, and for being listed as a Y Combinator (W22) company focused on digitizing micro-transactions in Africa.
Touch and Pay (TAP) Facts
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What it does
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Frequently Asked Questions About Touch and Pay (TAP)
Touch and Pay (TAP) is an NFC-based mobile payments and services platform that lets organizations and consumers handle micro-transactions, such as transport fares and other everyday services, using tap-to-pay cards and a mobile wallet app. It works by issuing Cowry NFC cards for offline tap payments, providing the Cowry app for online wallet payments, and giving businesses a dashboard to view, manage, and settle all captured transactions.
TAP operates primarily in Africa, with a strong focus on Lagos, Nigeria, and lists Nigeria, Rwanda, and the USA as company locations. Its core market and deployments are described around African informal sectors such as public transportation.
To sign up as a user, you can download the Cowry app on Android and follow the in-app registration steps to create and fund your wallet. To sign up as a business or operator, you can contact Touchandpay through the website or by email to discuss onboarding and access to their tools.
Yes, TAP offers a mobile app called the Cowry app, which is available on Android and allows users to maintain a wallet and pay for rides and other supported services. Availability for iOS is not specified.
TAP is best suited for transport operators, health providers, event and education service operators, agencies, and other organizations that collect frequent low-value payments, as well as consumers who need an easy way to pay for these services using NFC cards or a mobile app. It is particularly aligned with organizations operating in cash-heavy or informal sectors that want to digitize micro-transactions.
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