Tap to pay from your phoneAndroid + iPhone

Your phone is how you pay. Tap on Android. Show QR on iPhone.

Name: Taprail
Author: Taprail

Add the Nigerian bank cards you already use, choose one before you pay, then hold your Android phone near a contactless terminal—or show the merchant a payment QR on iPhone.

See how it works

Taprail Pay Mode

Choose a card. Tap or show QR. Done.

One focused screen connects the card you picked to the merchant in front of you. Tap the terminal on Android or show the QR on iPhone; the result and receipt return to Taprail.

AndroidLive NFC-ready Pay ModeAvailable

iPhoneLive EMV QR Pay ModeAvailable

Android emulator and iPhone simulator captures. The OPay terminal is illustrative; no real payment or account data appears.

Captured from the Taprail apps

Taprail Android Pay Mode showing an NFC-ready card and a prompt to hold the phone near a reader — Android emulator

OPay

AMOUNT DUE₦12,500Tap or scan

Contactless POS

Taprail iPhone simulator showing the live QR Pay Mode for presenting to a merchant — iPhone simulator · QR

Bring the cards you already use. Pick one before every tap.

How Taprail works

From card choice to payment result, the tap stays clear.

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.

Present

Tap on Android. Show a payment QR on iPhone.

Hold an NFC-ready Android phone near a contactless terminal. On iPhone, the merchant scans the QR shown in Pay Mode.

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.

Ally

Ask naturally. Review everything. Approve yourself.

Ally

Voice or text

“Help me pay a bill.”

Ask about spending, start a bill payment, prepare a transfer, or set a reminder. Ally keeps every action reviewable before anything moves.

01AskSpeak or type in plain language

02PrepareAlly organises the next step

03ApproveYou confirm on your own device

Try asking

Buy airtime

For me or someone else

Pay electricity

Prepare the meter payment

Send money

Build a transfer for review

Set a reminder

Keep the next bill in view

Ally can prepare a payment. Only you can approve it.

Control

Helpful software. Human approval.

Taprail can make the 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 Split a bill

taprail

Tap to pay with the cards you already have. Your phone. Your choice.

Nigeria first · Android NFC · iPhone QR

Questions and answers

What people ask before adding their cards.

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.