What Tap Tap does

TapTap is a Novi Sad, Serbia-headquartered payments and fiscal-compliance company operating as TapTap d.o.o. (founded 2025 by co-founder and CEO Dogukan Tufekci), building a single API that consolidates card acceptance, B2B electronic invoicing (eFaktura via SEF), real-time B2C retail fiscalization (ESIR/SUF), multi-currency wallets, subscriptions, split payments, KYC, and MCP-native AI agent integration for Serbian and Western Balkan merchants. The platform is built around a public REST API with typed SDKs in TypeScript, Go, Java, and PHP, HMAC-SHA256 signed webhooks with exponential backoff retry and dashboard replay, idempotency keys on every state-changing call, and direct government-system integrations for SEF (UBL 2.1 generation, submission, clearance ID capture, signature attachment) and ESIR/SUF (real-time receipt clearance with fiskalni broj and QR stamping, plus offline buffering with a certified clock).

TapTap monetizes entirely through transaction fees and tiered subscriptions: domestic cards 1.5%+€0.25, international cards 3.0%+€0.25, IPS QR and NBS bank transfers 0.6% (min €0.05), a +0.5% recurring-billing surcharge, and eFaktura invoice issuance at 0.5% of value (capped at €1.50), with SEF transit, auto-fiscalization, and the first 100 MCP actions per day bundled free across all plans. A three-tier commercial structure — Pay-as-you-go for SMBs, Growth (€100k–€500k monthly turnover) with volume discounts and branded checkout, and Enterprise with embedded payments, marketplace splits, dedicated infrastructure, and co-engineered country rollouts — supports both product-led self-serve acquisition (free sandbox, public playground, npm-installable SDKs) and a sales overlay for larger accounts. Distribution extends through WooCommerce, Magento 2, and a beta Shopify integration, plus an MCP server endpoint marketed as the payments substrate for AI agents on Claude, OpenAI, and LangChain runtimes.

Target customers are vertically segmented into Retail & Hospitality (auto-fiscalization, POS integration, Z-report exports), SaaS & Platforms (recurring billing, multi-currency, MCP tokens for AI support automation), Marketplaces (split settlements, vendor wallets, KYC, fiscal identity), and Freelancers & Agencies (eFaktura issuance, payment links, AI-driven dunning). A six-country roadmap covers Serbia (active) plus Croatia, Italy, Poland, Germany, and Hungary (in progress). Geographic headquarters, team composition (payment-platform veterans, former tax-authority engineers, and developer-experience designers working across the Balkans), and partnerships with WooCommerce, Magento, and Shopify underpin a Western Balkans-first roll-up strategy with EU adjacency.

Name

Tap Tap

Legal name

TapTap d.o.o.

Website

https://usetaptap.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

TapTap (TapTap d.o.o.) is a Serbia-based payments company offering a unified API for card acceptance, SEF eFaktura B2B invoicing, ESIR/SUF retail fiscalization, multi-currency wallets, and MCP-native AI agent integration, serving retail, SaaS, marketplace, and freelancer merchants across the Western Balkans with EU expansion underway.

Ownership category

akta.pro rank

Product category

Payment Processing and Fiscal Compliance Platform

NAICS

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

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), SME & Business Cross-Border Payments (B2B) (FSAMAIAB)

Keywords

• Payment processing platform
• E-invoicing and fiscalization
• Multi-currency digital wallets
• AI agent payment APIs
• Western Balkans fintech

Headquarters

HQ city

Kraków

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Domestic Card Transactions: 1.5% + €0.25 per successful domestic card transaction. Revenue from payment processing fees.
2. International Card Transactions: 3.0% + €0.25 per successful international card transaction. Higher fee for cross-border processing.
3. IPS QR / NBS Transfers: 0.6% (minimum €0.05) for IPS QR and National Bank of Serbia bank transfers.
4. Recurring Billing Surcharge: +0.5% surcharge on subscription/recurring billing transactions on top of base card fees.
5. eFaktura Invoice Issuance: 0.5% of invoice value (max €1.50) for eFaktura B2B billing. SEF pass-through and auto-fiscalization included free in all plans.
6. Growth Tier Subscription: Volume-based pricing for €100k-€500k monthly turnover with tiered breakpoints. Includes all Pay-as-you-go features plus volumenske discounts, branded checkout, dedicated webhook channel, and quarterly compliance controls.
7. Enterprise Tier Subscription: Custom pricing for platforms and marketplaces. Includes embedded payments, marketplace splits, dedicated infrastructure, custom SLAs, 24/7 incident response, and co-engineered country rollouts.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

TapTap provides a unified payments, invoicing, and fiscalization API platform for the Western Balkans, primarily Serbia. Through a single REST API it accepts card and local payments (IPS QR, NBS transfers, RSD/EUR), issues B2B eFaktura invoices via SEF with UBL 2.1, performs real-time B2C auto-fiscalization via ESIR/SUF, manages multi-currency wallets, and exposes scoped MCP tokens so AI agents can perform refunds, reconciliation, and customer support under audit.

Product overview

TapTap is a unified payments, invoicing, and fiscalization platform built for the Western Balkans, with Serbia as the primary market. The platform consists of a core payment processing layer (payment links, hosted checkout, split payments, subscriptions, multi-currency wallets) augmented by mandatory compliance modules (eFaktura B2B via SEF and auto-fiscalization B2C via ESIR/SUF), AI agent enablement (MCP scoped tokens), KYC/approval workflows, and webhook event delivery. A set of SDKs (TypeScript, Go, Java, PHP) and e-commerce plugins (WooCommerce, Magento, Shopify beta) extend the platform to developer and merchant ecosystems. Pricing is offered in three tiers (Pay-as-you-go, Growth, Enterprise), with SEF transit and auto-fiscalization included at no per-document charge across all plans. The platform is available as a public REST API with native Model Context Protocol (MCP) support for AI agents.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Links Shareable URLs for one-time or recurring payment collection. Supports card payments, IPS QR, and bank transfer, and tracks each open, click, and payment in real time. Targeted at merchants, freelancers, and SaaS platforms needing a fast no-code acceptance surface.
• Hosted Checkout Mobile-first, white-labeled payment page that drops into any flow with one line of code or embeds directly. Tokenized card data never touches merchant servers. Designed for merchants and platforms that need a conversion-optimized, PCI-compliant checkout surface.
• Split Payments Multiple payers contribute to a single payment intent with equal splits, custom amounts, or item-by-item division. Handles partial collection with configurable WAIT/REFUND/PROCEED behavior and automatic walk-back refunds. Built for marketplaces, group bills, and any merchant with multi-payer checkout.
• Subscriptions Recurring billing with plan management, proration on upgrades, smart retries on failed charges, dunning (day 1/3/7), and customer portal cancellation, all built on the same payment surface as one-time charges. Designed for SaaS companies and merchants with subscription revenue in the Balkans.
• Multi-Currency Wallets Per-vendor wallets holding balances in EUR, RSD, and USD with free internal instant transfers, mid-market-plus-margin FX conversions, and on-demand or daily bank payouts in the chosen currency. Targeted at vendors, marketplaces, and merchants operating across Balkan and EU currencies.
• eFaktura (B2B) Native Serbian SEF (eFaktura) integration for B2B and B2G invoicing. TapTap generates UBL 2.1 XML, submits to SEF, captures the clearance ID and signature, and attaches them to the invoice in one API call, with inbound supplier sync for AP-ready documents. Built for Serbian businesses and their public-sector and enterprise buyers.
• Auto-Fiscalization (B2C) Real-time B2C receipt clearance via ESIR/SUF at the moment of payment capture. Stamps fiskalni broj and QR codes on every receipt (email, hosted, or PDF), buffers offline transactions with a certified clock, and stores fiscal certificates in KMS-wrapped form. Purpose-built for Serbian retail and hospitality merchants.
• MCP / AI Agent Tokens Scoped tokens for AI agents with per-token wallet allowlists, action scopes with amount comparators (e.g., :lt:, :eq:), rate limits (rpm/rph), expiry, and revocation. Every action is immutable-audit-logged. MCP-native and compatible with Claude Agent SDK, OpenAI Assistants, LangChain, or custom runtimes. Designed for SaaS platforms and enterprises embedding AI agents that need real payment privileges.
• TypeScript SDK Generated SDK with strict TypeScript bindings, designed for Node.js and TypeScript developers integrating TapTap into web and server applications. Part of a unified proto-based SDK family ensuring no drift between server and client.
• Go SDK Generated SDK with strict Go bindings for backend services written in Go. Part of a unified proto-based SDK family ensuring no drift between server and client.
• Java SDK Generated Java SDK with strict bindings for JVM-based backend integrations. Part of a unified proto-based SDK family ensuring no drift between server and client.
• PHP SDK Generated PHP SDK distributed via Composer for PHP and WordPress-based integrations. Part of a unified proto-based SDK family ensuring no drift between server and client.

Quantifiable outcome

• 0 per-document fiscal charges
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• WooCommercecoreTechnology or IntegrationWordPress plugin available from WooCommerce marketplace. Supports card payments, IPS QR, and automatic eFaktura clearance on every paid order. Same compliance surface as direct API integration.
• MagentocoreTechnology or IntegrationMagento 2 composer module. Mirrors the WooCommerce feature surface with card processing, IPS QR, and eFaktura integration for Serbian merchants.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Stripe: Global payment infrastructure platform offering card processing, hosted checkout, subscriptions, Connect-style marketplace splits, multi-currency support, and a large SDK ecosystem. Comparable to TapTap as a developer-first PSP targeting SaaS platforms and marketplaces; TapTap explicitly cites "Stripe lacking regional compliance" as a pain point, positioning itself as the Balkan-native alternative.
• Mollie: European payment service provider focused on SMBs and platforms with multi-method checkout, multi-currency, subscriptions, and developer-friendly APIs. Comparable to TapTap's product surface (hosted checkout, payment links, subscriptions, multi-currency wallets, simple developer onboarding) and pricing model (transaction-based with volume tiers). Mollie has expanded across Europe with localized payment methods, similar to TapTap's Balkan expansion roadmap.
• Adyen: Global unified payments platform providing card acquiring, local payment methods, multi-currency settlement, and platform/marketplace solutions for enterprises. Comparable to TapTap at the architecture level (single platform replacing multiple PSPs) and at the Enterprise tier target (platforms/marketplaces). Adyen's Balkan coverage is limited, creating TapTap's regional opportunity.
• Checkout.com: Global payments provider offering card processing, local payment methods, hosted checkout, and platform/marketplace solutions with focus on enterprise merchants. Comparable to TapTap's Enterprise tier feature set (embedded payments, marketplace splits, dedicated infrastructure, custom SLAs). Both target SaaS platforms and marketplaces; TapTap competes on regional Balkan compliance.

Emerging players

• Primer: Universal payment infrastructure and orchestration platform targeting merchants and platforms with smart routing across PSPs, unified reconciliation, and developer-first tooling. Comparable to TapTap on the unified-reconciliation, developer-experience, and platform-layer dimensions. Both aim to be the merchant's primary payments integration point; Primer competes on the global stage while TapTap competes on regional Balkan compliance.
• ProcessOut: Payment orchestration and routing platform that helps merchants optimize acceptance across multiple PSPs, with strong developer tooling and analytics. Comparable to TapTap's developer-first orientation and multi-method checkout approach. While ProcessOut aggregates rather than processes, it represents the kind of platform-layer competitor that TapTap's unified ledger and reconciliation surface must displace in merchant mindshare.

Regional players

• EasyPay: Bulgaria-based payment service provider serving merchants and consumers in the Balkans with card acquiring, e-commerce, and POS solutions. Comparable to TapTap as a regional Balkan PSP with similar merchant focus (retail, hospitality, SMB). Both navigate post-communist fiscal regimes and similar compliance infrastructure.
• Halcom: Slovenia-based payment solutions provider serving the Adriatic/Balkan region with acquiring, e-commerce, and banking-grade payment products. Comparable to TapTap as a regional PSP with roots in a former-Yugoslav market and similar target merchant base. Both operate under EU/regional regulatory frameworks with focus on local payment method support.

Direct peers

• Monri: Bosnia-based payment gateway serving merchants across the Western Balkans with card processing, local payment methods, and POS integrations. Direct comparable to TapTap as a regional PSP with multi-country Balkan coverage targeting retail, hospitality, and SMB merchants. Both operate with similar transaction-fee revenue models and target similar regulatory-aware merchants.
• CorvusPay: Croatia-headquartered regional payment processor serving Croatia, Bosnia, Serbia, Slovenia, and other Balkan/EU markets with card acquiring, IPS/SEPA-style local payment methods, and merchant acceptance APIs. Directly comparable to TapTap as a regional PSP targeting the same merchant segments (retail, hospitality, SaaS, marketplaces) with checkout and merchant acceptance as core products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/usetaptap
• Facebookfacebook.com/usetaptap
• LinkedInlinkedin.com/company/17975715

Compliance3 records

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 Tap Tap