eTap Solutions
eTap Solutions operates the Philippines' largest self-service payment kiosk network, with 4,000+ machines across 350+ cities. It enables unbanked, cash-first Filipinos to top up e-wallets, pay bills, and buy mobile load through kiosks hosted free at 200+ SMB retail partners.
- Company typePrivate
- Founded2015
- HeadquartersDavao City, Philippines
- Headcount51–100
- GTM typeB2C
- OfferingServices
What eTap Solutions does
eTap Solutions, operated by eTap Inc., is a Philippines-based fintech company founded in 2015 by Percy Hernandez and Marlon Portugal in Davao City. It operates the largest self-service payment kiosk network in the country, with over 4,000 machines deployed across 350+ cities and municipalities in Luzon, Visayas, and Mindanao. The kiosks enable cash-first, often unbanked Filipinos to top up 20+ e-wallets (including GCash and Maya), pay bills to dozens of billers (utilities, telecoms, government fees), and purchase mobile and gaming load, without requiring a smartphone, bank account, or internet connection. A mobile companion app (MyeTap), a digital change-management sub-product (MySukli), and an AI-powered customer service chatbot (Tappy, deployed 2025 with a 60% automation rate) extend the offering. Distribution is exclusively through a partner-host model: hardware, installation, monitoring, and maintenance are provided free to 200+ SMB store partners including Alfamart, DALI, TGP, Gaisano, City Mall, Rose Bakeshop, and ThreeSixty Pharmacy, who gain incremental foot traffic reported at up to 80%.
eTap monetizes primarily through transaction processing fees on cash-in, bill payment, and e-load flows, alongside commercial arrangements with billers and e-wallet providers for transaction routing and revenue sharing. Additional ecosystem integrations include RCBC DiskarTech (cash deposits), iCASH (remittance), and Beep (transit card reloads), and the company has a strategic AI partnership with Proto to enable vernacular, accessible customer interactions. Kiosk machine sales grew from 1,215 to 1,809 units between 2022 and 2023, and the company plans to deploy 2,000+ new kiosks per year going forward. The business is privately held, bootstrapped, and led by its co-founders with a Head of Business Development (Joe Muldera) driving partner acquisition.
eTap Solutions firmographics
Firmographics- Name
- eTap Solutions
- Legal name
- eTap Solutions
- Website
- https://etapsolutions.co
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- eTap Solutions operates the Philippines' largest self-service payment kiosk network, with 4,000+ machines across 350+ cities. It enables unbanked, cash-first Filipinos to top up e-wallets, pay bills, and buy mobile load through kiosks hosted free at 200+ SMB retail partners.
- Ownership category
- akta.pro rank
eTap Solutions industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Unattended & Self-Service Payments (Kiosks, Vending, Parking, EV Charging) (FSAMADAE)
- akta.pro secondary industries
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where eTap Solutions is headquartered
LocationHeadquarters
- HQ city
- Davao City
- HQ country
- Philippines
- HQ region
- Asia
Offices2 records
Markets served
eTap Solutions business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Infrastructure, Operations, Personnel, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Transaction Processing Fees: Revenue generated from processing e-wallet cash-ins, bill payments, and e-load purchases through the kiosk network. Partners with major e-wallets (GCash, Maya) and billers (utilities, government fees, loans).
- Biller and E-wallet Partnerships: Commercial arrangements with billers and e-wallet providers for transaction routing and revenue sharing on processed payments.
- Partner Store Value-Add Services: Store partners receive increased foot traffic and additional revenue from customers who combine kiosk transactions with in-store purchases. eTap benefits from expanded network reach.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels8 records
eTap Solutions product offering
Product offeringCore offering
eTap Solutions provides self-service payment kiosks deployed free of charge inside retail store partners (groceries, pharmacies, bakeshops, convenience stores) across the Philippines, enabling cash-first users without bank accounts or smartphones to top up e-wallets (GCash, Maya and 20+ wallets), pay utility and government bills, and purchase mobile and gaming load. The offering combines proprietary kiosk hardware, in-house developed software, the MyeTap mobile app, and the Tappy AI customer service assistant.
Product overview
eTap Solutions, powered by eTap Inc., is a Philippines-based fintech company providing self-service payment kiosks as its core product. The offering consists of physical kiosk hardware deployed at retail store partners, combined with a mobile app (MyeTap) and an AI-powered customer service chatbot (Tappy). Three primary transaction services run on the kiosks: Cash In (e-wallet top-up for 20+ wallets including GCash and Maya), Bills Payment (utilities, credit cards, government fees via dozens of billers), and eLoad (mobile and gaming load for Globe, Smart, DITO, and Sun). A companion sub-feature called MySukli handles change-back for overpayment transactions. The kiosks are positioned as a phygital bridge for cash-first Filipinos, requiring no smartphone or bank account. Over 4,000 kiosks are deployed across 350+ cities and municipalities nationwide.
Differentiator
Problem solved
Functional benefit
Brands
- MyeTap: Mobile app for all eTap transactions, allowing users to stay on top of payments.
- Tappy
- MySukli
- ePuhunan
Products and services
- eTap Self-Service Payment Kiosks Physical self-service kiosks deployed at retail store partners (groceries, pharmacies, bakeshops, convenience stores) enabling cash-first Filipinos to top up e-wallets, pay utility and government bills, and purchase mobile and gaming load without needing a smartphone or bank account. Deployed free of charge to partner stores nationwide.
- Cash In (E-Wallet Top-Up) Allows users to deposit cash into e-wallets at eTap kiosks by selecting Top Up, choosing an e-wallet, entering amount and phone number, and inserting cash. Supports 20+ e-wallets including GCash, Maya, Easy, Globe Retailer, and gaming wallets.
- Bills Payment Enables users to pay utility bills, credit card bills, government fees, and other recurring payments at eTap kiosks. Supports dozens of billers including Meralco, banks, water districts, telecoms, and cooperatives nationwide.
- eLoad Allows users to purchase mobile load and gaming credits at eTap kiosks for Globe, Smart, DITO, and Sun Cellular. Supports a wide range of telco providers and gaming platforms including MLBB, Garena, Nintendo US, and Steam.
- MyeTap App Mobile application through which users can access and manage all eTap transactions (cash-in, bills payment, eLoad) in one place, enabling them to stay on top of payments on the go. QR code-based download available on the homepage.
Quantifiable outcome
- Store partners report up to 80% increase in foot traffic after kiosk deployment
- +4 more outcomes
Companies that use eTap Solutions
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles2 records
eTap Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
eTap Solutions partnerships and signals
Strategic signalPartnerships
26 partnerships are on record, tiered core, major and strategic.
- GCashcorePrimary e-wallet partner enabling cash-in services at eTap kiosks. Users can top up GCash accounts with cash at any eTap kiosk, facilitating digital payments for millions of unbanked Filipinos.
- MayacoreE-wallet integration for cash-in services. eTap kiosks enable Maya users to load funds using cash, supporting digital financial inclusion.
- AlfamartmajorNational convenience store chain hosting eTap kiosks across multiple branches, providing accessible payment service touchpoints for customers.
- DALI Everyday GrocerymajorHard-discount grocery chain partner known for affordability, aligning with eTap's mission to serve value-conscious Filipino consumers.
- TGP (The Generics Pharmacy)majorThe Generics Pharmacy network provides pharmacy services and eTap kiosks, combining health and financial accessibility in underserved communities.
- GaisanomajorRegional mall and grocery chain with nationwide presence, hosting eTap kiosks for integrated retail and financial services.
- City MallcoreRegional shopping center chain partnering with eTap to provide financial services in community shopping environments.
- Rose BakeshopmajorDeployment of 80+ eTap kiosks across Rose Bakeshop branches in Davao, Cebu, and Leyte region, with plans to expand to all branches. Rose Bakeshop operates over 200 branches across Visayas and Mindanao.
- ThreeSixty PharmacycoreStrategic partnership combining pharmacy needs with cash-in transactions, creating a one-stop shop for health and financial services.
- Home AlongmajorPartnership to deploy eTap kiosks across all Home Along branches nationwide, expanding financial service accessibility.
- DCCS (Davao Central Convenience Store)coreOne of eTap's earliest store partners, serving as a one-stop-shop model combining retail essentials with financial services in Davao.
- JGO MartcoreConvenience store partnership for kiosk deployment, serving neighborhood financial transaction needs.
- ValueMed PharmacycoreStrategic partnership building a one-stop shop for pharmacy needs and cash-in transactions through eTap kiosks.
- iCASHmajorFinancial technology partnership enabling convenient remittance services, allowing users to send money anytime, anywhere through eTap kiosks.
- RCBC DiskarTechmajorPartnership enabling RCBC DiskarTech users to deposit cash at eTap's thousands of self-service kiosks nationwide, bridging digital convenience with physical access.
- UnitopcoreRetail store partner hosting eTap kiosks for community financial services.
- 360 PharmacycorePharmacy chain partner combining health retail with financial transaction services.
- BeepcoreAF Payments Inc card system integration for transit payments at eTap kiosks, enabling users to reload beep cards for transportation.
- Julie's BakeshopcoreBakeshop partnership bringing digital payment services to neighborhood communities.
- Panadero BakeshopcoreBakeshop network partnership (PANalong partnership) for kiosk deployment in community bakeries.
- ProtostrategicAI solutions provider partnership for creating unified and automated customer interactions across kiosk and digital channels in Filipino languages and accessible formats.
- FamilymartcoreConvenience store chain partner for kiosk deployment.
- DCWC (Davao Central Warehouse Club)coreWarehouse club partner in Davao region for kiosk deployment.
- PrimarkcoreRetail store partner for kiosk deployment.
- NovocoreRetail partner hosting eTap kiosks.
- GMallcoreRegional mall partner for kiosk deployment.
Scale indicators11 records
Recent moves6 records
Expansion highlights5 records
eTap Solutions competitors and assessment
Company assessmentRegional players
- DOKU: Indonesia-based payment gateway and e-wallet provider offering cash-in via retail networks and online payment processing. Comparable to eTap in product scope (cash-in, bill payment, e-load) but operating in a different geography with an agent rather than kiosk distribution model.
- TrueMoney (Ascend Money): Leading Southeast Asian e-wallet and payment-services network with kiosk and agent touchpoints across Thailand and surrounding markets. Operates a comparable cash-to-digital and bill-payment model in adjacent geographies to eTap's Philippines footprint.
- DragonPay: Philippines-focused online payment gateway aggregating banks, e-wallets, and over-the-counter channels including physical payment partners. Overlaps with eTap on bill-payment and cash-to-digital rails but operates primarily online rather than via proprietary kiosks.
Broad incumbents
- GCash: Philippines' largest e-wallet and a core integration partner of eTap. Operates its own extensive agent cash-in network and could potentially disintermediate third-party kiosks, but currently relies on eTap's footprint for unbanked customer cash-in access.
- Maya (PayMaya): Major Philippines e-wallet and banking platform, also integrated as an eTap cash-in option. Offers overlapping payment services through its own app and partner agents, making it both a partner and a strategic competitor for cash-to-digital transactions.
- Euronet Worldwide: Global operator of ATM, POS, and self-service payment kiosks across emerging markets. Provides broader infrastructure and processing services that overlap with eTap's kiosk-based model, though focused on different geographies and adjacent product lines.
Direct peers
- TouchPay: Philippines-based operator of self-service payment kiosks enabling e-wallet top-ups, bill payments, and prepaid load. Directly competes with eTap in the same physical kiosk channel across convenience-store and retail-partner footprints.
- Bayad Center: One of the largest authorized bill payment centers in the Philippines, processing utility, credit, and government payments via physical touchpoints. Directly comparable in service scope and retail-host model to eTap's bill payment offering.
- Pay&Go (ECPay): Philippines bill-payment and e-loading kiosk network deployed at retail partners. Offers directly overlapping services (cash-in, bills payment, e-load) through the same channel-partner distribution model that eTap uses.
Emerging players
- Coins.ph (Coins): Philippines digital wallet and payments app with cash-in via retail partner outlets. Competes with eTap on the cash-in use case for end users but delivers the service through partner agents rather than self-service kiosks.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
eTap Solutions social profiles
Digital presenceeTap Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
eTap Solutions leadership team
Management profileNumber of profiles
Profiles3 records
eTap Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
eTap Solutions 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 eTap Solutions
What does eTap Solutions do?
eTap Solutions provides self-service payment kiosks deployed free of charge inside retail store partners (groceries, pharmacies, bakeshops, convenience stores) across the Philippines, enabling cash-first users without bank accounts or smartphones to top up e-wallets (GCash, Maya and 20+ wallets), pay utility and government bills, and purchase mobile and gaming load. The offering combines proprietary kiosk hardware, in-house developed software, the MyeTap mobile app, and the Tappy AI customer service assistant.
Is eTap Solutions a public or private company?
eTap Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was eTap Solutions founded?
eTap Solutions was founded in 2015. It employs 51 to 100 people.
Where is eTap Solutions based?
eTap Solutions is headquartered in Davao City, Philippines, in the Asia region.
How does eTap Solutions make money?
Three revenue lines are on record. Transaction Processing Fees are the primary driver. The others are biller and E-wallet Partnerships and partner Store Value-Add Services.
Who are eTap Solutions's main competitors?
Regional players on record are DOKU, TrueMoney (Ascend Money) and DragonPay. Broad incumbents are GCash, Maya (PayMaya) and Euronet Worldwide. Direct peers are TouchPay, Bayad Center and Pay&Go (ECPay). Coins.ph (Coins) is listed as an emerging player.
Does eTap Solutions have an API?
No public API is recorded for eTap Solutions.
What industry is eTap Solutions in?
eTap Solutions's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMADAE, Unattended & Self-Service Payments (Kiosks, Vending, Parking, EV Charging), with a secondary code of FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 52232.