Tapaya vs myPOS
myPOS is a card reader and business account for small businesses, with instant settlement. Tapaya is in-store payments infrastructure for software companies that want to be the payment experience inside their own product.
How Tapaya and myPOS differ
myPOS and Tapaya serve different buyers. myPOS is a ready-made merchant product — card readers and a built-in business account with instant settlement that a small business adopts to start taking payments under the myPOS brand. Tapaya is white-label SoftPOS infrastructure: one SDK a software company embeds so its own product accepts tap-to-pay on any Android or iOS device, under its own brand, with certification and compliance handled underneath. If you're a small merchant, myPOS may be ideal; if you're building a product that needs to take in-person payments, Tapaya is built for you.
| Capability | Tapaya | myPOS |
|---|---|---|
| Who it's built for | Software companies that embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP). | Small businesses that want an all-in-one merchant solution with a reader and a built-in business account. |
| Embeddable under your own brand | Fully white-label — your app, your UI, your name end to end. Customers never see Tapaya. | myPOS is the brand and the product; it isn't designed to be resold as your own payments product under your brand. |
| Supported devices | Any commercial Android or iOS device — phones, tablets, kiosks and enterprise handhelds — using hardware you already deploy. | myPOS card terminals and readers, plus its SoftPOS app (Tap to Pay on supported Android devices) in available markets. |
| Funds & settlement model | Infrastructure you embed into your product; you keep ownership of the payment experience and customer relationship. | Includes a built-in myPOS business account with instant settlement of funds to the merchant. |
| Certification, PCI & compliance | Card-network certification, acquiring and per-market compliance come pre-integrated under the SDK so you can ship a payments product. | Handled by myPOS as part of its merchant product. |
| Best fit | You're building a product and need in-person payments to be a native, branded part of it. | You're a small business that wants an all-in-one reader and account, with money settled quickly. |
Who it's built for
- Tapaya
- Software companies that embed payments into their own product (POS vendors, vertical SaaS, marketplaces, banks, fintechs, kiosks/ERP).
- myPOS
- Small businesses that want an all-in-one merchant solution with a reader and a built-in business account.
Embeddable under your own brand
- Tapaya
- Fully white-label — your app, your UI, your name end to end. Customers never see Tapaya.
- myPOS
- myPOS is the brand and the product; it isn't designed to be resold as your own payments product under your brand.
Supported devices
- Tapaya
- Any commercial Android or iOS device — phones, tablets, kiosks and enterprise handhelds — using hardware you already deploy.
- myPOS
- myPOS card terminals and readers, plus its SoftPOS app (Tap to Pay on supported Android devices) in available markets.
Funds & settlement model
- Tapaya
- Infrastructure you embed into your product; you keep ownership of the payment experience and customer relationship.
- myPOS
- Includes a built-in myPOS business account with instant settlement of funds to the merchant.
Certification, PCI & compliance
- Tapaya
- Card-network certification, acquiring and per-market compliance come pre-integrated under the SDK so you can ship a payments product.
- myPOS
- Handled by myPOS as part of its merchant product.
Best fit
- Tapaya
- You're building a product and need in-person payments to be a native, branded part of it.
- myPOS
- You're a small business that wants an all-in-one reader and account, with money settled quickly.
Product vs infrastructure
The core distinction is product versus infrastructure. myPOS sells a finished product to the merchant — the reader, the app and the business account are myPOS's, and so is the brand the customer sees. Tapaya sells infrastructure to the builder. The software company embeds the SDK and presents its own branded payment experience on any device, while Tapaya handles certification, acquirer connections and per-market compliance underneath.
Choosing the right tool
Choose Tapaya when
You're a software company that wants in-person payments to be part of your own product, under your own brand, on the devices your customers already use — and you don't want to route your customers through a third-party reader and account. You need acquiring, certification and compliance handled for you so you can ship a payments experience without becoming a payments company.
Choose myPOS when
You're a small business (or selling to individual merchants) that wants an all-in-one package — a reader, a merchant app and a built-in business account with fast settlement — ready to use with minimal setup. You don't need to embed or rebrand the payment experience inside a separate product of your own.
Questions, answered
Accurate as of 2026-06-14. Based on publicly available information; all product names and trademarks belong to their respective owners. Comparison based on publicly documented myPOS product capabilities; capabilities and regional availability change over time — verify current details with each provider.