Tapi
Tap (legal entity AUNTAP B2 S.A.U.) is a B2B API-first payment infrastructure company that provides fintechs, banks, neobanks, and SMEs in Latin America with a single regional API for bill payments, cash-in/out, mobile top-ups, and gift cards across five countries.
- Company typePrivate
- Founded2022
- HeadquartersBuenos Aires, Argentina
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Tapi does
Tap is a Buenos Aires-headquartered fintech that operates B2B payment infrastructure for Latin America, legally domiciled as AUNTAP B2 S.A.U. and operating in Argentina, Mexico, Chile, Colombia, and Peru. The company sells exclusively to enterprise and mid-market clients (no direct-to-consumer product), offering a unified regional API through which fintechs, neobanks, and banks embed bill payment, cash deposit/withdrawal, mobile airtime recharge (Recargas TAE), and digital gift card capabilities into their own applications. The underlying platform is built on serverless cloud architecture designed for on-demand scaling, with a developer-facing documentation portal (tapila.dev) and a Fast Track integration module that supports deployment timelines measured in hours versus the standard 4-6 weeks.
Tap's commercial product surface spans four core API products (Pago de Servicios, Cash In/Out, Recargas TAE, Gift Cards) plus Tapipay, a B2B collection platform launched in Mexico in October 2025 that automates collections for SMEs and applies AI to transaction optimization. The company monetizes primarily through transaction processing fees on payments routed across its network, supplemented by managed integration services, and quotes enterprise pricing on a volume basis rather than publishing rate cards. The network includes 20,000+ connected service businesses and 70,000+ physical payment points, processing 250 million+ annual transactions and roughly $6 billion in transaction volume, with Mexico accounting for approximately 90% of monthly activity. Following the June 2025 acquisition of Mastercard's Arcus bill payment and cash-handling operations in Mexico, the company expanded its physical retail footprint to over 50,000 cash-in locations in that market alone. Tap reached profitability in 2025 and reported 10x revenue and transaction volume growth in under 18 months.
Tapi firmographics
Firmographics- Name
- Tapi
- Legal name
- AUNTAP B2 S.A.U.
- Website
- https://tapi.la
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tap (legal entity AUNTAP B2 S.A.U.) is a B2B API-first payment infrastructure company that provides fintechs, banks, neobanks, and SMEs in Latin America with a single regional API for bill payments, cash-in/out, mobile top-ups, and gift cards across five countries.
- Ownership category
- akta.pro rank
Tapi industry classification
Industry- Product category
- Payment Infrastructure
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where Tapi is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Offices1 record
Markets served
Tapi business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing Fees: Tapi generates revenue by charging fees for processing payment transactions including bill payments, cash deposits/withdrawals, mobile top-ups, and gift card purchases across its network of connected service providers and retail points
- API Access and Integration Services: Revenue from providing API access to fintechs, banks, and neobanks for payment infrastructure integration, including technical support and custom integration services
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
Tapi product offering
Product offeringCore offering
Tapi operates a B2B payment infrastructure platform providing a single regional API that enables fintechs, banks, and neobanks across Latin America to integrate bill payment, cash-in/out, mobile airtime recharges, and digital gift card services. Its tapipay product offers SMEs automated digital payment collections with AI optimization. The platform connects over 20,000 service businesses to 70,000+ physical retail payment points across Argentina, Mexico, Chile, Colombia, and Peru.
Product overview
Tapi is a B2B payment infrastructure platform providing a unified API for payment services across Latin America. The platform operates across five countries (Mexico, Argentina, Chile, Colombia, Peru) with four core products: Pago de Servicios (bill payment with smart reminders and automatic payments), Cash In/Out (cash deposit/withdrawal at retail networks), Recargas TAE (mobile airtime recharges), and Gift Cards (digital pins for gaming and streaming platforms). Tapipay is the SME-focused B2B product launched in October 2025 that automates collections using AI. The company connects over 20,000 service businesses with 70,000+ physical payment points, processing 250 million annual transactions worth $6 billion.
Differentiator
Problem solved
Functional benefit
Brands
- Tapipay: B2B payment collection platform for SMEs that automates up to 80% of collections, uses AI to optimize transactions, and integrates physical payment points.
Products and services
- Pago de Servicios (Bill Payment Services) API-based bill payment service that enables fintech, bank, and neobank users to pay utility bills (electricity, gas, water), insurance, phone, internet, and other recurring services, with smart reminders, automatic payments, and expiration calendars to increase transaction frequency.
- Cash In/Out Cash deposit and withdrawal service enabling end-users to deposit and withdraw cash at over 15,000 active retail points across major convenience stores, supermarkets, and pharmacies in Latin America, supporting financial inclusion for cash-dependent users of fintech and neobank apps.
- Recargas TAE (Airtime Recharges) Mobile airtime electronic recharge service supporting major telecommunications providers including Movistar, Claro, Personal, Entel, Telcel, WOM, and AT&T, designed to improve user transaction frequency and recurrence for partner apps.
- Gift Cards Digital PIN codes for gaming, streaming, and entertainment platforms including Xbox, PlayStation, Steam, Spotify, and more, enabling partner apps to sell digital content and subscriptions with local currency support.
- Tapipay B2B payment collection platform for SMEs in Mexico that automates up to 80% of collections, uses AI to optimize transactions, and integrates physical payment points to improve financial inclusion and credit access.
Quantifiable outcome
- 250 million transactions processed annually, exceeding $6 billion in volume
- +4 more outcomes
Companies that use Tapi
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Tapi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Tapi partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered supporting and core.
- PespaysupportingTapi serves as a technological integrator for Cash In and Cash Out services with Pespay, which holds the legal figure enabled to operate this vertical in Mexico. Pespay provides the network of 12,000+ physical stores for cash transactions.
- Mastercard (Arcus)coreTapi acquired Mastercard's Arcus bill payment and cash-handling operations in Mexico. This strategic acquisition expanded Tapi's cash-in network to over 50,000 retail locations and significantly strengthened its presence in Mexico's second-largest economy. The acquisition is part of Tapi's strategy to consolidate its leadership in Latin American payment infrastructure.
- Mercado PagocoreMajor customer and integration partner using Tapi's payment infrastructure for bill payments and services. Tapi's integration enables Mercado Pago to position users at the center of improvements and provide differentiated user experience.
- UalácoreBegan working with Tapi in 2022 starting with Claro mobile top-ups, then expanded to include MIDE recargas and full bill payment services with due date calendar and reminders.
Scale indicators9 records
Recent moves5 records
Expansion highlights6 records
Tapi competitors and assessment
Company assessmentDirect peers
- dLocal: Uruguay-headquartered payment processor enabling global merchants to accept payments across emerging markets, including Latin America. Highly comparable as a LATAM-focused payment infrastructure provider, though dLocal is more cross-border-merchant focused and is publicly listed.
- EBANX: Brazilian-founded payment processor providing cross-border and domestic payment solutions across Latin America. Directly comparable as a regional payment infrastructure player serving global and regional merchants, with similar B2B API-first model.
- Kushki: Latin American payment infrastructure company providing online and in-person payment processing APIs across multiple LATAM countries. Closely comparable in API-first regional coverage and developer-led GTM, with operations spanning Mexico and Andean markets.
- Conekta: Mexico-based online payment processor providing payment gateway services and APIs for online and point-of-sale acceptance. Directly comparable as a payment infrastructure provider with strong Mexico presence serving merchants and platforms.
- Clip: Mexico-based payment acceptance company providing card readers and digital payment solutions to SMEs. Comparable as a LATAM payment infrastructure player with focus on Mexico and SME merchants, though primarily card-present focused.
Broad incumbents
- PayU: Global payment service provider owned by Prosus/Naspers with deep Latin American presence (Brazil, Mexico, Colombia, Argentina, Peru, Chile). Broad incumbent offering gateway, processing, and alternative payment methods across the same geographies Tapi serves.
- Stripe: Global payment infrastructure platform with growing LATAM presence and developer-first API GTM. Comparable as a developer-focused payment API provider, but operates at vastly larger scale and is not regionally specialized.
Emerging players
- Belvo: Latin American open banking and financial data API platform serving fintechs, banks and lenders. Adjacent comparable as a fintech infrastructure API provider for the LATAM ecosystem, though focused on data and A2A initiation rather than bill payments.
- Pismo: Cloud-based banking and payments platform (acquired by Mastercard) providing core processing and issuing APIs to banks and fintechs. Adjacent comparable as a LATAM-serving fintech infrastructure API provider, though focused on issuing/processing rather than bill payment and cash networks.
Others
- Mercado Pago: Largest digital wallet and payment processor in Latin America, owned by MercadoLibre. Overlaps with Tapi's product surface (bill payments, cash in/out, top-ups) and is simultaneously a major customer, making it both a partner and a potential competitive threat.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Tapi social profiles
Digital presenceTapi compliance and trust
Trust signalCompliance1 record
Tapi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tapi leadership team
Management profileNumber of profiles
Profiles2 records
Tapi subsidiaries and ownership
Company hierarchySubsidiaries7 records
Tapi funding detail
Funding detailFunding overview
Funding rounds3 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tapi M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tapi
What does Tapi do?
Tapi operates a B2B payment infrastructure platform providing a single regional API that enables fintechs, banks, and neobanks across Latin America to integrate bill payment, cash-in/out, mobile airtime recharges, and digital gift card services. Its tapipay product offers SMEs automated digital payment collections with AI optimization. The platform connects over 20,000 service businesses to 70,000+ physical retail payment points across Argentina, Mexico, Chile, Colombia, and Peru.
Is Tapi a public or private company?
Tapi is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tapi founded?
Tapi was founded in 2022. It employs 11 to 50 people.
Where is Tapi based?
Tapi is headquartered in Buenos Aires, Argentina, in the Latin America region.
How does Tapi make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are API Access and Integration Services.
Who are Tapi's main competitors?
Direct peers on record are dLocal, EBANX, Kushki, Conekta and Clip. Broad incumbents are PayU and Stripe. Emerging players are Belvo and Pismo. Mercado Pago is listed as an others.
Does Tapi have an API?
Yes. Tapi offers a regional API for bill payment, airtime recharges, and digital gift cards across Latin America. The API enables single integration for multiple countries, includes serverless architecture for scalable demand, supports sandbox environment for testing, and provides Fast Track integration module for rapid deployment in hours. Standard integration timelines range from 4 weeks for services/recharges to 4-6 weeks for Cash In/Out products. Documentation and sandbox access provided to developers. Developer documentation is at www.tapila.dev.
What industry is Tapi in?
Tapi's product category is Payment Infrastructure. Its primary akta.pro industry code is FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails), with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 5222 and its SIC code is 6159.