specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Tap Payments
providerId: tap-payments
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Fintech
- Payment Gateway
- MENA
- Plans
description: >-
  Tap Payments does not sell API access as a subscription. Pricing is
  transaction-based: there is no fee to sign up, get keys, and build against test
  mode, and merchants pay a per-transaction processing fee only on live payments.
  Headline rates commonly cited for the region are around 2.75% per transaction
  for local/standard cards and about 3.25% for international cards (plus any FX),
  with no monthly fee on standard onboarding; effective all-in cost varies by
  country, payment method (mada, KNET, Benefit, Visa, Mastercard, wallets),
  settlement configuration, and negotiated/enterprise terms. Exact rates are set
  per merchant during onboarding and are not reconciled here.
notes: >-
  The per-transaction percentages above are indicative figures drawn from public
  third-party comparisons, not an official Tap rate card; Tap publishes rates per
  market and negotiates volume/enterprise pricing. Verify current pricing for your
  country and methods directly with Tap during reconciliation. The API itself
  carries no separate license or subscription fee.
sources:
- https://www.tap.company
- https://developers.tap.company/docs/get-started
plans:
- id: tap-test-mode
  name: Test Mode (Developer)
  type: free
  description: >-
    Full access to build and test the API against test keys (sk_test_...) with no
    fee and no live money movement. Requires only a dashboard account.
  entries:
  - label: API Test Access
    name: api_test_access
    type: flat
    metric: access
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: free
    userMultiplied: false
  elements:
  - name: Test Keys
  - name: All API Resources
  - name: Webhooks (test)
- id: tap-standard
  name: Standard (Per-Transaction)
  type: usage
  description: >-
    Live payment acceptance billed as a percentage fee per successful
    transaction, with no monthly fee on standard onboarding. Rate depends on
    country and payment method (local schemes such as mada, KNET, Benefit vs
    international cards and wallets). Requires a KYC-approved merchant account.
  entries:
  - label: Standard / Local Card Transaction Fee
    name: standard_card_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: mena
    unit: 1
    price: approx 2.75% per transaction (indicative; varies by country/method)
    userMultiplied: false
  - label: International Card Transaction Fee
    name: international_card_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: approx 3.25% per transaction plus FX (indicative; varies)
    userMultiplied: false
  elements:
  - name: Live Keys
  - name: Cards (Visa, Mastercard, Amex)
  - name: Local Schemes (mada, KNET, Benefit)
  - name: Wallets (Apple Pay, Google Pay)
  - name: Payouts / Settlement
  - name: Webhooks
- id: tap-enterprise
  name: Enterprise / Custom
  type: enterprise
  description: >-
    Negotiated per-transaction rates and terms for high-volume merchants,
    marketplaces, and platforms using the Business API for sub-merchant
    onboarding and split settlement. Contact Tap sales.
  entries:
  - label: Negotiated Rate
    name: enterprise_rate
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom Volume Pricing
  - name: Marketplace / Split Settlement
  - name: Dedicated Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com