Tap Billetera
Tap Billetera was an Argentine non-bank payment service provider offering a digital wallet for QR-based bill payments, CVU transfers, SUBE recharges, and ATM withdrawals. The mobile app ceased operations on March 9, 2023.
- Company typePrivate
- Founded2018
- HeadquartersBuenos Aires, Argentina
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Tap Billetera does
Tap Billetera was an Argentine non-bank payment service provider incorporated as TAP BILLETERA S.A.U., founded in 2018 and headquartered in Buenos Aires. The company operated a digital wallet mobile application that enabled Argentine consumers, particularly underbanked users, to pay utility bills via QR code scanning, transfer money using the Clave Virtual Uniforme (CVU) system, recharge SUBE public transit cards, top up mobile phone credit, deposit and withdraw cash through authorized networks, and access investment products through CNV-registered securities intermediaries. The platform was regulated by the Banco Central de la República Argentina (BCRA) as a Payment Service Provider offering payment accounts, not as a financial entity under Law Nro. 21.526.
The technology stack centered on QR code processing, CVU-based account identification, encrypted card data storage, and direct integrations with Argentine payment infrastructure including SUBE, EDENOR MIDE, and mobile carriers. Authentication was available through email/PIN and third-party identity providers (Google, Facebook), with compliance under Argentina's Personal Data Protection Law and AML/CFT regulations. Distribution was primarily self-serve via the mobile app, supplemented by authorized cash deposit networks and ATM access through a TAP-issued prepaid card.
Tap Billetera monetized via a $250/month + IVA subscription for account maintenance, with additional transaction-based fees for specific services. The company raised early-stage funding from Norte Ventures and Plug and Play (April 2020) and FJ Labs (April 2022), employed 51-100 people, and served only the Argentine market. The Tap mobile app launched in March 2023 and ceased operations on March 9, 2023, with the company effectively exiting the market.
Tap Billetera firmographics
Firmographics- Name
- Tap Billetera
- Legal name
- TAP BILLETERA S.A.U.
- Website
- https://auntap.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Closed
- Headcount range
- 51–100 employees
- Short description
- Tap Billetera was an Argentine non-bank payment service provider offering a digital wallet for QR-based bill payments, CVU transfers, SUBE recharges, and ATM withdrawals. The mobile app ceased operations on March 9, 2023.
- Ownership category
- akta.pro rank
Tap Billetera industry classification
Industry- Product category
- Mobile Payments / Digital Wallet
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- QR Code Payments Wallets (FSAMAEAC)
- akta.pro secondary industries
- Biller Direct EBPP Platforms (FSAMAJAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Tap Billetera is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Markets served
Tap Billetera business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Monthly account maintenance fee of $250 + IVA |
Distribution channels3 records
Tap Billetera product offering
Product offeringCore offering
Tap Billetera operated a mobile digital wallet platform enabling Argentine consumers to pay utility and service bills by scanning QR codes, transfer money between users via CVU, recharge SUBE transit cards and mobile phone credit, deposit and withdraw cash, and access investment products. As a non-bank payment service provider regulated by Argentina's central bank (BCRA), the company enabled financial inclusion for users without traditional bank accounts through its self-serve mobile application.
Product overview
Tap Billetera is a single digital wallet platform operated by TAP BILLETERA S.A.U. (CUIT 30-71662753-1) that provides payment processing, fund management, and financial services. The core offering consists of the Tap Billetera Digital Wallet, which integrates QR code payment processing, service bill payments, SUBE card recharge, mobile credit recharge, and investment services through registered market intermediaries. The platform functions as a non-bank payment service provider under BCRA regulation, allowing users to process payments, transfer money via CVU, make deposits, and withdraw funds. The mobile application, branded simply as 'Tap', was launched in March 2023 but ceased operations on March 9, 2023.
Differentiator
Problem solved
Functional benefit
Products and services
- Tap Billetera Digital Wallet A digital wallet and payment account platform enabling users to process payments, manage funds, send and receive money, and perform financial transactions via QR codes and CVU transfers. Designed for Argentine consumers, including the unbanked, as a BCRA-regulated non-bank payment service.
Companies that use Tap Billetera
Customer profileSegments1 record
Ideal customer profiles1 record
Tap Billetera technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature5 records
Tap Billetera partnerships and signals
Strategic signalRecent moves7 records
Expansion highlights3 records
Tap Billetera competitors and assessment
Company assessmentDirect peers
- Naranja X: Argentine digital wallet and financial app from the Tarjeta Naranja ecosystem, offering QR payments, bill pay, transfers, and cash-in networks. Competes head-on with Tap for the same underserved consumer bill-payment use case.
- Personal Pay: Argentine digital wallet from Telecom Personal offering QR payments, mobile top-up, bill pay, and transfers. Closely comparable to Tap in combining carrier-led mobile credit recharge with QR-based bill payment.
- Brubank: Argentine digital-only bank offering transfers, QR payments, and bill pay through a mobile app. Comparable in targeting underbanked consumers with a low-cost, mobile-first financial product, though licensed as a bank rather than a non-bank PSP.
- Ualá: Argentina-based digital wallet and prepaid card targeting underbanked consumers with bill pay, transfers, and ATM access. Highly comparable to Tap Billetera in mission, customer segment, and product set, though with much larger funding and user base.
- MODO: Interbank Argentine digital wallet consortium offering QR payments, transfers, and bill pay across more than 30 Argentine banks. Directly comparable in QR-based consumer payment functionality, with a much wider banking distribution network.
Regional players
- Cuenta DNI: Banco Provincia's free digital wallet and payment app, widely adopted in Argentina for bill pay, QR purchases, and transfers. Comparable in QR bill payment and financial-inclusion positioning, though bank-backed and Buenos Aires-province-centric.
Broad incumbents
- Mercado Pago: Dominant Argentine digital wallet and QR-code payment processor, part of Mercado Libre. Direct overlap with Tap on QR bill pay, P2P transfers, prepaid cards, and offline cash-in networks, but with vastly larger scale and a free consumer model.
Others
- PagoFácil / RapiPago: Argentina's largest cash payment network for bill pay and top-ups, integrated with most wallets. While not a direct wallet competitor, it serves as the cash-in infrastructure Tap relied on and is a key ecosystem participant.
Emerging players
- Lemon Cash: Argentine digital wallet offering transfers, payments, and crypto on-ramps, with QR functionality. Comparable as a mobile-first non-bank wallet targeting Argentine consumers, with overlap in QR payment and P2P transfer use cases.
- Prex: Latin American prepaid card and digital wallet with an Argentine presence, offering multi-currency accounts and QR payments. Comparable as a non-bank wallet targeting the same financial-inclusion segment, with broader regional reach.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Tap Billetera social profiles
Digital presenceTap Billetera compliance and trust
Trust signalCompliance4 records
Tap Billetera financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tap Billetera leadership team
Management profileNumber of profiles
Profiles2 records
Tap Billetera funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tap Billetera M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tap Billetera
What does Tap Billetera do?
Tap Billetera operated a mobile digital wallet platform enabling Argentine consumers to pay utility and service bills by scanning QR codes, transfer money between users via CVU, recharge SUBE transit cards and mobile phone credit, deposit and withdraw cash, and access investment products. As a non-bank payment service provider regulated by Argentina's central bank (BCRA), the company enabled financial inclusion for users without traditional bank accounts through its self-serve mobile application.
Is Tap Billetera a public or private company?
Tap Billetera is a private company. It is classified as venture growth investor backed and is currently closed.
When was Tap Billetera founded?
Tap Billetera was founded in 2018. It employs 51 to 100 people.
Where is Tap Billetera based?
Tap Billetera is headquartered in Buenos Aires, Argentina, in the Latin America region.
Who are Tap Billetera's main competitors?
Direct peers on record are Naranja X, Personal Pay, Brubank, Ualá and MODO. Cuenta DNI is listed as a regional player. Mercado Pago is listed as a broad incumbent. PagoFácil / RapiPago is listed as an others. Emerging players are Lemon Cash and Prex.
Does Tap Billetera have an API?
No public API is recorded for Tap Billetera.
What industry is Tap Billetera in?
Tap Billetera's product category is Mobile Payments / Digital Wallet. Its primary akta.pro industry code is FSAMAEAC, QR Code Payments Wallets, with a secondary code of FSAMAJAA, Biller Direct EBPP Platforms. Its NAICS code is 52232 and its SIC code is 6199.