payabl. card reader review 2026: tap to pay fees and rating
Very recent market entry (March 2026): a Cypriot PSP with an EU licence positioning SoftPOS as an entry point for merchants with no terminal experience.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
payabl. offers payabl. Tap to Pay for iOS + Android. Transaction fee: on request; monthly fee: on request. Security certification: n/a. Available in: Europe (EEA).
payabl. terms in full
| Product name | payabl. Tap to Pay |
|---|---|
| Provider type | Pure SoftPOS |
| Headquarters | Cyprus (Limassol) |
| Founded | 2011 |
| Platforms | Android (since March 2026); iOS announced for later in 2026 |
| Certification | n/a |
| Transaction fee | on request |
| Monthly fee | on request |
| Setup cost | 0 (no hardware costs) |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Micro-businesses / SMEs (micro & SME merchants) |
| Available markets | Europe (EEA) |
| Website | payabl.com |
| Data source | Open primary source ↗ |
Alternatives to payabl.
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- BrandPOS — on request, Rating 3.5
- Erste Group — on request, Rating 3.5
- SoftPos S.A. (softpos.eu) — on request, Rating 3.5
Compare all providers in Europe →
Frequently asked questions
payabl. tap to pay: do I need any extra hardware?
No. payabl. is a pure SoftPOS provider — the app turns a phone you already own into the card reader, and there is no terminal to buy or rent. Supported platforms: iOS + Android.
Which countries is payabl. available in?
By our records: Europe (EEA). Availability changes, and the date above the table is when we last checked.