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Tap to pay from your phone

Your phone is how you pay.Tap the reader. Keep the receipt.

Pick a card, tap the reader, then get the result and receipt straight back.

See how it works

Your cards, together

Add the bank cards you already use, then choose one before each tap.

How Taprail works

A straight line from card choice to payment result.

The important decisions stay in order. Choose the funding card, present the device, then keep the result connected to the payment.

01

Pick

Choose the card before you present your phone.

See which card is ready, switch when you need to, then enter a distraction-free Pay Mode.

02

Present

Hold your Android phone near the reader.

Open Pay Mode and present your Android phone to a contactless terminal. iPhone support is coming soon.

03

Know

The result comes back to the phone in your hand.

Approved, pending, or declined—the outcome and receipt stay connected to the tap that created them.

Card chosenPhone presentedResult saved

Ally

Your money agent. Built like the app.

Ask about spending, pay a bill, prepare a transfer, or set a reminder. Ally organises the next step; you review the real financial details.

Buy airtime
Pay electricity
Send money
Set a reminder
Prepared by Ally. Confirmed by you.

Control

Helpful software. Human approval.

Taprail can make a payment easier to understand without hiding the point where you decide.

Your money stays with your bank

Taprail is not a bank and does not hold your funds.

You approve before money moves

Ally can prepare an action, but cannot authenticate it for you.

The important details stay visible

Review the card, provider, amount, and recipient before confirming.

Read our privacy approach
taprail

The card you choose. The phone in your hand.

Early access · Nigeria

Questions and answers

Clear answers before you add a card.

Yes. Merchants never see your real card number. Your wallet is locked behind Face ID or a PIN, and every payment is authorised by your own bank.

No. Taprail is not a bank and does not hold your funds. Your money stays with your bank until you approve a payment.

Taprail is built for Nigerian debit and credit cards. You add the cards you already have, without opening a new bank account.

We are opening Taprail to a first group of users in Nigeria. Join the waitlist and we will email you when your spot is ready.