Tap on Phone
Accept contactless cards, phones and watches on any NFC Android phone. No terminal to buy, rent or charge.
Sale #1042₦8,500.00
Verve •••• 0019Approved
Card fee₦42.50
To your bank₦8,457.50
NewTap SDK for Android
Tap-to-pay infrastructure for Nigerian business
ASYS Pay turns any NFC Android phone into a card terminal. Shops take contactless cards, phones and watches without renting a POS, and software companies build the same tap into their own apps. The money goes straight to the merchant’s bank account.
Built for contactless
- Verve
- Mastercard
- Visa
- Google Pay
- Phones & watches
Products
One platform for in-person payments
Take payments on your own phone, inside your own app, or at every branch of the businesses you serve, with the same API and the same settlement.
Tap SDK
Put ASYS Pay’s payment screen inside your own Android app. Cashiers never switch apps, and card data never reaches your code.
collect.launch(PaymentRequest(
amountKobo = 850_000,
reference = "order-1042",
))Partner API
Sign up the businesses you serve, add their branches, and connect each phone with a one-time code.
POST /merchants201POST /stores201POST /activation-codes201Code for the phoneE6DL-RHS6
Hosted onboarding
Owners check their BVN or NIN, CAC and bank account on our pages. You never handle their ID.
- Phone number
- BVN or NIN
- CAC registration
- Bank account
Settlement
The bank pays each merchant directly, usually the next working day. ASYS Pay never holds the money.
With ASYS Retail
Books that keep themselves
A sale paid by tap posts itself: the sale, the card fee and the stock, ready for your accounts and for ASYS Tax.
| Account | Debit | Credit |
|---|---|---|
| Bank | 8,457.50 | |
| Card fees | 42.50 | |
| Sales | 8,500.00 |
Card payments without the terminal
- ₦0
- terminal to buy or rent
- 0.5%
- per payment, capped at ₦10,000
- T+1
- settlement to the merchant’s own bank account
- Android 8+
- on any phone with NFC
ASYS Pay for shops
Get paid by card on the phone in your pocket
Sign up in the ASYS Pay app in a few minutes. Start with everyday limits, and get higher ones when your business checks pass.
- Sign up with your phone number, your BVN or NIN, and your bank account.
- Take a tap. Type the amount; the customer holds a card, phone or watch to your phone.
- Get paid straight into your own bank account, usually the next working day.
Android app · coming to Google Play
ASYS Pay for platforms
Make tap to pay part of your software
POS, inventory, booking and school-fees apps add card payments in days, and keep their customers inside their own product.
Launch in days
Test keys the moment you sign up, test cards for every outcome, and a sandbox that behaves like the real thing.
Get test keysKeep cashiers in your app
Open ASYS Pay with one Android intent, or put the payment screen inside your app with the Tap SDK.
See the codeNever handle ID documents
Send the owner a one-use onboarding link. We check BVN or NIN, CAC and the bank account, then tell you by webhook.
API reference
First partner: ASYS Retail
asysretail.com
Its phone till opens ASYS Pay for card taps, and every sale lands in the books with the fee.
Developers
Built for developers, from the first test card
Sign up and get test keys at once. Every outcome has a test card, every payment is safe to retry, and every webhook is signed.
- SandboxTest cards that approve, decline, time out or answer late.
- Signed webhooksHMAC-SHA256 with a timestamp, retried with growing gaps.
- Safe retriesAn idempotency key on every payment, so a card is charged once.
// Once per phone, with a code from your server
AsysPayTap.terminal(context).connect(activationCode)
// At checkout
val collect = registerForActivityResult(CollectPayment()) { result ->
if (result.approved) confirmOnServer(result.reference)
}
collect.launch(PaymentRequest(
amountKobo = 850_000, // ₦8,500.00
reference = "order-1042",
))POST /v1/partner/merchants
Authorization: Bearer ap_test_…
{
"reference": "shop-6",
"legal_name": "Kano Fabrics Ltd",
"trading_name": "Kano Fabrics"
}
→ 201 Created
{ "id": "mer_01k…", "status": "active", … }POST https://your.app/webhooks/asyspay
AsysPay-Signature: t=1762600000,v1=5f2c…
{
"id": "evt_123",
"type": "payment.approved",
"data": {
"reference": "order-1042",
"status": "APPROVED",
"amount_kobo": 850000,
"fee_kobo": 4250,
"masked_pan": "506099*********0019"
}
}Security
Card data never touches your app
The card is read and sealed on the phone, inside ASYS Pay. Only our card zone can open it, in a hardware security module. Your app, your server and our own dashboard only ever see a masked number.
- On the phoneThe card is read and sealed at once.
- Through ASYS PayThe sealed card passes through. It can’t be opened here.
- In the card zoneOpened in the hardware security module and sent to the bank.
- Back to youThe bank’s answer, with the card number masked.
Pricing
One simple rate
Pay only when you get paid. No terminal, no monthly fee and no setup fee.
0.5%
per successful payment, capped at ₦10,000
- No terminal to buy or rent
- No monthly or setup fee
- Paid to your own bank account, usually the next working day
Software companies: ask us about revenue share.
Ready to get started?
Create a sandbox account in a minute, or talk to us about bringing tap to pay to your shops.