Tap and Go
Tap and Go is a UK-based merchant services provider founded in 2022, offering card payment terminals, EPOS systems, virtual terminals, and merchant cash advances to small and mid-market businesses across hospitality, auctions, builders merchants, and retail, processing over £550 million annually.
- Company typePrivate
- Founded2022
- HeadquartersBlackpool, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Tap and Go does
Tap and Go is a UK-based merchant services provider founded in April 2022 in Blackpool, operating as Tap and Go Limited. The company supplies card payment acceptance infrastructure and adjacent financial services to UK small and mid-market merchants, with a stated processing volume of over £550 million annually across its merchant base. Its product suite spans portable and countertop card terminals (Sunmi P3, P3 Mix, D3, Pax A920 Pro, Clover Flex, Clover Mini), fixed EPOS systems (Clover Station and Station Solo) with real-time inventory, ecommerce, table management, and online ordering integrations, and virtual terminals/payment links for remote and telephone payments. The company does not own a proprietary payment processing engine; instead it routes transactions through three acquiring bank partners (AIBMS, Fiserv, Vefory) and offers a full multi-vendor hardware catalogue from Clover (Fiserv), Verifone, Ingenico, Pax, and Sunmi. Beyond payments, it offers a Business Cash Advance product (£10k–£500k) where repayments are taken as a percentage of future card takings, positioning it as an embedded working capital solution rather than a traditional loan.
The business monetises through transaction-based take rates on processed card volume, terminal rental and hardware charges, and the spread economics on merchant cash advances. Pricing is fully bespoke per merchant rather than packaged, with the company claiming an average 30% saving versus incumbents through elimination of hidden fees. Customer acquisition is sales-led via direct outreach, website quote requests, phone, and WhatsApp Business, supported by a dedicated account manager model and a £1,000 Price Challenge guarantee. The customer base is concentrated in hotels and hospitality (Marriott International, Hotel Indigo, Mercure, Focus Hotels, Legacy Hotels), auction houses (Gorringes, Littleton Auctions, Lyon and Turnbull), builders merchants (Silverton, Manningham Concrete, M and C), and select retail and automotive accounts. The company is privately held, founder-led, and operates from a single Blackpool headquarters with 11–50 employees.
Tap and Go firmographics
Firmographics- Name
- Tap and Go
- Legal name
- Tap & Go Limited
- Website
- https://tap-and-go.co.uk
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tap and Go is a UK-based merchant services provider founded in 2022, offering card payment terminals, EPOS systems, virtual terminals, and merchant cash advances to small and mid-market businesses across hospitality, auctions, builders merchants, and retail, processing over £550 million annually.
- Ownership category
- akta.pro rank
Tap and Go industry classification
Industry- akta.pro primary industry
- In-App / Online Checkout Wallets (FSAMAEAH)
Keywords
Where Tap and Go is headquartered
LocationHeadquarters
- HQ city
- Blackpool
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Tap and Go business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Card Payment Processing: Transaction fees charged for processing credit and debit card payments. Rates are bespoke and tailored to each business's specific requirements with no packaged offerings.
- Terminal Equipment: Provision of card payment terminals including portable machines, EPOS systems, and virtual terminals. Terminal rental and associated charges apply.
- Business Cash Advance: Merchant Cash Advance loans ranging from £10k-£500k. Repayments are deducted as a small percentage of monthly card payments with no interest rates or fixed monthly payments. Over 90% of applications approved.
- Next Working Day Payments: Free next working day payment settlement included as standard, providing cash flow benefits to merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Bespoke pricing tailored to each business |
| Outcome Based/ Performance | Pay-as-you-go | Business Cash Advance: £10k-£500k |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Tap and Go product offering
Product offeringCore offering
Tap and Go is a UK merchant services provider that supplies card payment terminals (portable, mobile, and countertop from Sunmi, Pax, and Clover), EPOS systems, virtual terminals and Pay by Links for card-not-present transactions, conversational commerce (WhatsApp-based) payments, and business cash advance products. Its offering is aimed at UK small and mid-sized merchants in verticals such as hotels, auction houses, retail, builders' merchants, and automotive, supported by bespoke pricing and dedicated account management.
Product overview
Tap & Go is a merchant services provider offering a suite of payment processing solutions. The portfolio includes portable card terminals (Sunmi P3, P3 Mix, D3, Pax A920 Pro, Clover Flex, Clover Mini), fixed EPOS systems (Clover Station, Clover Station Solo), and virtual payment solutions (Virtual Terminal/Pay By Links). These products work together to enable businesses to accept card payments in-store, on the road, and remotely. The company also provides business cash advance financing as an ancillary service. All solutions connect to acquiring banks for transaction processing and settlement.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 30% average savings on card processing charges
- +3 more outcomes
Companies that use Tap and Go
Customer profileNamed customers17 records
Segments5 records
Ideal customer profiles5 records
Tap and Go technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Tap and Go partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- AIBMS (Allied Irish Bank)coreTap & Go works with AIBMS as an acquiring bank partner for transaction processing. Support contact: 03712 001 436 for general support, 01933 656 977 for terminal support. Available Monday-Saturday 8am-9pm, Sundays and Bank Holidays 8am-5pm.
- FiservcoreFiserv is one of the acquiring bank partners Tap & Go works with for payment transaction processing and routing.
- VeforycoreVefory serves as an acquiring bank partner for transaction processing. Due to third-party agreements in place, the price challenge promotion is not available for quotes from this partner.
- Clover (Fiserv)coreTap & Go offers the full Clover suite of terminals and EPOS systems including Clover Flex, Clover Mini, Clover Station, and Clover Station Solo. Clover Station sales sheets and getting started videos provided for customers.
- VerifonecoreTap & Go offers Verifone terminals as part of their full terminal suite for card payment processing.
- IngenicocoreTap & Go offers Ingenico terminals as part of their full terminal suite for card payment processing.
- PaxcoreTap & Go offers Pax terminals including the Pax A920 Pro portable terminal with 4G & Wi-Fi connectivity. Datasheets and quick start guides available.
- CashflowscoreCashflows provides general and terminal support for Tap & Go customers. Support contact: 03301 289 855 (Option 1) for general support Monday-Friday 9am-5pm, 01933 656 977 for terminal support Monday-Saturday 8am-11pm, Sundays and Bank Holidays 10am-5pm.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Tap and Go competitors and assessment
Company assessmentBroad incumbents
- Worldpay (FIS): Worldpay is a global merchant acquirer with deep UK presence across retail, hospitality, and omnichannel commerce. It competes with Tap & Go on the enterprise end of the same customer base and offers broader acquiring, gateway, and POS capabilities.
- Stripe: Stripe is a global payments infrastructure provider serving online and in-person commerce. It overlaps with Tap & Go's virtual terminal / pay-by-link offering and competes for UK merchant payment volume across online and omnichannel flows.
- Tyl by NatWest: Tyl is NatWest's merchant acquiring business offering card machines, EPOS, and payment processing to UK businesses. It competes with Tap & Go across hospitality, retail, and SMB verticals with the backing of a major UK bank.
- Square (Block, Inc.): Square provides card readers, POS software, and merchant services globally. It is a broad incumbent that competes with Tap & Go in portable terminals and SMB acquiring, with significantly greater software depth and capital.
Direct peers
- Dojo: Dojo is a UK-focused payment service provider offering card machines, virtual terminals, and merchant services to hospitality and retail. It is one of the most direct UK competitors to Tap & Go in card acquiring, especially in hotels and restaurants.
- SumUp: SumUp provides portable card readers and payment processing to SMB merchants across the UK and Europe. It is a direct competitor in portable terminals, transaction processing, and merchant acquisition, with overlapping verticals including hospitality and retail.
- takepayments: takepayments is a UK merchant services provider offering card terminals, EPOS, and payment processing to SMBs. It overlaps directly with Tap & Go's product mix and sales-led SMB acquisition model.
- Handepay: Handepay is a UK card payment provider targeting hospitality, retail, and service businesses. It competes with Tap & Go in portable terminals, bespoke pricing, and direct sales to mid-market merchants.
- Zettle (by PayPal): Zettle, owned by PayPal, offers card readers, POS software, and payment processing for small businesses. It competes directly with Tap & Go in portable terminals, retail EPOS, and SMB acquiring across the UK.
Emerging players
- Revolut Business: Revolut Business offers card acceptance, payment links, and merchant accounts as part of its broader fintech platform. It is an emerging competitor to Tap & Go for SMB merchants seeking an integrated payments and banking experience.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Tap and Go social profiles
Digital presenceTap and Go financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tap and Go leadership team
Management profileNumber of profiles
Profiles10 records
Tap and Go funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tap and Go 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 and Go
What does Tap and Go do?
Tap and Go is a UK merchant services provider that supplies card payment terminals (portable, mobile, and countertop from Sunmi, Pax, and Clover), EPOS systems, virtual terminals and Pay by Links for card-not-present transactions, conversational commerce (WhatsApp-based) payments, and business cash advance products. Its offering is aimed at UK small and mid-sized merchants in verticals such as hotels, auction houses, retail, builders' merchants, and automotive, supported by bespoke pricing and dedicated account management.
Is Tap and Go a public or private company?
Tap and Go is a private company. It is currently operating.
When was Tap and Go founded?
Tap and Go was founded in 2022. It employs 11 to 50 people.
Where is Tap and Go based?
Tap and Go is headquartered in Blackpool, United Kingdom, in the Europe region.
How does Tap and Go make money?
Four revenue lines are on record. Card Payment Processing is the primary driver. The others are terminal Equipment, business Cash Advance and next Working Day Payments.
Who are Tap and Go's main competitors?
Broad incumbents on record are Worldpay (FIS), Stripe, Tyl by NatWest and Square (Block, Inc.). Direct peers are Dojo, SumUp, takepayments, Handepay and Zettle (by PayPal). Revolut Business is listed as an emerging player.
Does Tap and Go have an API?
No public API is recorded for Tap and Go.
What industry is Tap and Go in?
Its primary akta.pro industry code is FSAMAEAH, In-App / Online Checkout Wallets.