Taca Taca

What Taca Taca does

Taca Taca is an Argentine Payment Service Provider (PSP) authorized by the Banco Central de la República Argentina (BCRA), operating under the legal entity Servicio de Pago SAU. The company offers a digital payment-acceptance platform aimed primarily at small and medium businesses (PyMEs), individual entrepreneurs, and — more recently — institutions, governments, and cooperatives. Its core proposition is enabling merchants to accept debit, credit, and prepaid card payments, QR payments from any bank or wallet, and remote collections via shareable payment links, with no opening cost, no fixed fees, and commissions paid only on successful transactions (QR at 0.8% + VAT; credit cards from 1.19% to 9.99% + VAT depending on accreditation timing). The platform is delivered through a mobile application (iOS and Android), a web dashboard, and proprietary SmartPOS hardware provided free in comodato to Córdoba-based merchants, with a Tap to Phone option that converts merchant smartphones into contactless terminals.

The product architecture is a single platform with modular extensions: a SmartPOS device (WiFi/4G, contactless, chip, magnetic stripe, QR), Tap to Phone, Link de Pago for social/WhatsApp sales, a Dashboard for sales and catalog management, a Simulador de Costos commission calculator, a tiered Programa de Beneficios loyalty program, and the Botón de Pago — an embeddable widget that opens a new institutional vertical for tax, rate, and fee collection on third-party websites. Promotional financing products (Cuota Fácil+, Cuotas Fijas, Cordobesa interest-free installments up to 12 cuotas) drive consumer-side demand, while the Tarjeta TT prepaid Mastercard extends wallet utility. The business is anchored in Córdoba, with strategic banking infrastructure provided by Banco de Córdoba (Bancor) for fund custody, and an exclusive Cordobesa card-issuer partnership for flagship promotional financing. The company is private, with no disclosed external investors, no parent, and no subsidiaries, and it explicitly states it is not a financial entity — user funds are not deposits and do not earn interest.

Name

Taca Taca

Legal name

Servicio de Pago SAU

Website

https://taca-taca.com.ar

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Taca Taca is an Argentine PSP authorized by the BCRA that provides small and medium businesses, individual entrepreneurs, and institutions with digital payment acceptance — cards, QR, payment links, and SmartPOS — on a zero-fixed-fee, take-rate model anchored in Córdoba.

Ownership category

akta.pro rank

Product category

Mobile Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• Mobile payment processing
• Card payment acceptance
• QR code payments
• Payment gateway services
• Point-of-sale solutions

Headquarters

HQ city

Córdoba

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Transaction Commissions: Commission-based revenue model where merchants pay fees only when they make sales. No opening costs, no fixed monthly fees. Commissions vary by payment method (debit, credit, QR) and accreditation timeline selected.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Taca Taca is a mobile payment processing platform (PSP) authorized by the Banco Central de la República Argentina that enables merchants to accept digital payments in-person and remotely via cards, QR codes, payment links, and Tap to Phone. The offering bundles hardware (SmartPOS terminals), software (mobile app, web dashboard, payment widget), and financing programs (installments, interest-free promotions) into a single commission-based service targeting small and medium Argentine merchants.

Product overview

Taca Taca is a digital payment collection platform and PSP (Payment Service Provider) authorized by the Banco Central de la República Argentina. The offering is a unified platform-plus-modules architecture centered on the core Taca Taca wallet and collection platform, supported by a portfolio of specialized products: SmartPOS (proprietary POS terminal hardware), QR payments, Tap to Phone (phone-as-terminal), Link de Pago (shareable payment links), Cuota Fácil+ and Cuotas Fijas (installment financing programs), Promociones (promotional campaigns including Cuota Simple and Cordobesa interest-free installments), the Dashboard (merchant management and analytics web tool), the Simulador de Costos (commission calculator), a tiered Programa de Beneficios (loyalty/rewards program), the Botón de Pago (embeddable payment widget for institutions), and a community Blog for merchant education. The platform targets Argentine merchants, particularly small and medium businesses (PyMEs), and is anchored in Córdoba with backing from Banco de Córdoba (Bancor).

Differentiator

Problem solved

Functional benefit

Brands

• Botón de Pago: Payment button solution for municipalities, governments, cooperatives, service companies, clubs, associations, mutuals, and educational institutions to collect payments for rates, taxes, services, fees, memberships, and other obligations.
• Dashboard Taca Taca
• Tarjeta TT
• SmartPOS
• Cuota Fácil
• Cuota Simple

Products and services

• Taca Taca Platform Digital wallet and payment collection platform (PSP) authorized by Argentina's Central Bank. Enables merchants to accept in-person and remote payments via cards, QR codes, payment links, and Tap to Phone, with promotional financing options, installment plans, and a business dashboard.
• SmartPOS Intelligent point-of-sale terminal accepting debit, credit, and prepaid cards via contactless, chip, and magnetic stripe, plus QR code payments from any bank or digital wallet. Supports WiFi and 4G with long battery life. Provided free in comodato to Córdoba merchants.
• QR Payments QR code-based payment acceptance enabling merchants to receive instant payments from any bank app or digital wallet. Commission rate of 0.8% + VAT, with first 3 months free.
• Tap to Phone Payment acceptance method that turns the merchant's smartphone into a contactless card payment terminal, enabling fast in-person card collection without additional hardware.
• Link de Pago (Payment Link) Shareable payment link enabling merchants to collect payments remotely via social media, WhatsApp, email, or any messaging platform. Customers can pay using their preferred card or method through the link.
• Cuota Fácil+ Fixed-installment financing product allowing merchants to offer 3 and 6 fixed-rate installments with very low interest rates for higher-value purchases.
• Cuotas Fijas Fixed-installment promotional feature enabling merchants to offer 2, 3, 4, 6, 9, and 12 fixed installments, with financing cost optionally passed to the consumer.
• Promociones Promotional financing programs including up to 12 interest-free installments with Cordobesa, gastronomy discounts, commission-free debit days, and special event programs such as Semana Taca Taca and Cuota Simple.
• Dashboard Web-based merchant dashboard providing sales visualization and analytics, product and catalog management, client and user management, Excel data export, and detailed performance statistics.
• Simulador de Costos Online calculator enabling merchants to simulate credit and debit card sales, estimate commissions, and compare accreditation timelines across payment methods and installment options for Visa, Mastercard, American Express, Cabal, and Naranja.
• Programa de Beneficios Tiered merchant loyalty program with 5 levels based on monthly sales volume, offering commission rebates on debit sales, discounts on card purchases and mobile recharges, and discounted Club de Comercios subscription.
• Botón de Pago Embeddable payment button widget for institutional websites enabling collection of rates, taxes, services, memberships, and fees. Supports credit/debit cards, QR, DEBIN, direct debit, and cash coupons via Pago Fácil/Rapipago.

Quantifiable outcome

• QR sales commission: 0.8% + VAT (first 3 months free)
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• Banco de Córdoba (Bancor)coreStrategic or Co-development PartnerTaca Taca maintains user funds in a sight account at Banco de Córdoba SA. This partnership provides the banking infrastructure for fund custody and management, integral to Taca Taca's service delivery as a PSP.
• MastercardcoreTechnology or IntegrationMastercard partnership for prepaid card issuance (Tarjeta TT) and card processing capabilities. The Taca Taca prepaid Mastercard card enables users to make purchases with their Taca Taca balance.
• Card Networks (Visa, Mastercard, American Express, Cabal)coreTechnology or IntegrationIntegration with major card networks to enable acceptance of credit and debit cards from multiple issuers in Argentina.
• CordobesaflagshipGTM or Marketing PartnerExclusive promotional partnerships offering installments without interest (cuotas sin interés) to Cordobesa credit card holders. Key promotional driver for merchant acquisition and sales volume.
• Naranja XminorGTM or Marketing PartnerSpecial commission rates for Naranja X card sales in 1-12 installments, providing competitive financing options for merchants.
• Banco Central de la República Argentina (BCRA)coreOthersRegulatory authorization as a PSP (Payment Service Provider). Taca Taca operates under BCRA oversight as a registered payment service provider, enabling compliant operation within Argentina's financial regulatory framework.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mercado Pago: The dominant Argentine payment service provider and digital wallet, owned by MercadoLibre. Competes directly with Taca Taca across QR, card acceptance, payment links, and POS for SMB merchants, and benefits from massive consumer-side network effects from the MercadoLibre marketplace.
• MODO: Argentine payment app and QR network created by a consortium of local banks. Competes with Taca Taca's QR acceptance and merchant payment rails and represents the bank-incumbent response to wallet-led disruption.
• Todo Pago: Payment service provider originally launched by Banco Macro and now serving merchants across Argentina with online checkout, QR, and link de pago products. Directly comparable to Taca Taca's payment link, QR, and Botón de Pago offerings.
• Naranja X: Argentine fintech offering digital wallet, payment processing, and consumer credit card products from the Tarjeta Naranja franchise. Directly comparable to Taca Taca in card acceptance, QR, and installment financing (cuotas sin interés), and is also one of Taca Taca's promotional partners.
• SumUp: Global SMB-focused card acceptance and POS provider operating in Argentina. Comparable to Taca Taca in targeting micro-merchants with low-fixed-cost card acceptance hardware and tap-to-phone solutions.
• Ualá: Argentine digital wallet and prepaid card provider targeting underbanked consumers and SMBs. Comparable to Taca Taca's Tarjeta TT prepaid Mastercard offering and digital wallet infrastructure, and competes in the same zero-fixed-cost SMB payments segment.
• Getnet (Argentina): Latin American payment processor (a Santander-backed acquirer) operating in Argentina with POS, e-commerce, and payment link products. Comparable to Taca Taca's SmartPOS, link de pago, and merchant services.

Regional players

• PagSeguro (PagBank): Leading Brazilian payment service provider and digital bank, offering POS hardware, Tap to Phone, payment links, and merchant accounts. Highly relevant LATAM peer that shares Argentina's regulatory complexity and SMB merchant focus, though operating in a different geography.

Broad incumbents

• Block (Square): Global SMB payments and fintech company that pioneered Tap to Phone technology and offers Square POS hardware. Highly comparable to Taca Taca's hardware-plus-software SMB payment stack and the recent Tap to Phone launch.
• Stripe: Global payment processing platform with growing SMB focus including Tap to Phone and POS hardware (Terminal). Comparable to Taca Taca in the developer-friendly merchant onboarding model and payment link / checkout tooling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TacaTacaOk/?locale=es_LA
• Instagraminstagram.com/tacatacaok/?hl=es

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Taca Taca