---
title: "Touch and Pay (TAP): Payment Processing"
description: "Accept offline tap-to-pay fares in Nigeria with Cowry cards, plus online wallet payments in the Cowry app; track transactions via dashboard & reports."
canonical_url: "https://liners.com/touch-and-pay"
markdown_url: "https://liners.com/touch-and-pay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/touchandpay/screenshot.webp?v=1781549646643"
published_at: "2026-06-15T20:13:13.156Z"
updated_at: "2026-10-07T10:43:29.403Z"
---

# Touch and Pay (TAP): Payment Processing

Accept offline tap-to-pay fares in Nigeria with Cowry cards, plus online wallet payments in the Cowry app; track transactions via dashboard & reports.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Touch and Pay (TAP)](/touch-and-pay)

## Summary

NFC payments for offline and online micro-transactions

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://touchandpay.me/ |
| Tagline | NFC payments for offline and online micro-transactions |
| Primary country | Nigeria |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [Offline-Capable](/tags/offline-capable): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/touch-and-pay/alternatives)
- [Reviews](/touch-and-pay/reviews)
- [Transparency](/touch-and-pay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/touch-and-pay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)