stera tap (formerly GMO Financial Gate) card reader review 2026: tap to pay fees and rating
Three parties: the brand owner is Mitsui Sumitomo Card, the contracting party and product page belong to SMBC GMO PAYMENT, and the app comes from GMO Financial Gate. Part of the stera product line (stera terminal, stera pack).
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
stera tap (SMBC GMO PAYMENT) offers stera tap for iOS + Android. Transaction fee: from 1.98%; monthly fee: n/a. Security certification: n/a. Available in: Japan.
stera tap (SMBC GMO PAYMENT) terms in full
| Product name | stera tap |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | Japan (Tokyo) |
| Founded | 2021 (joint venture of SMBC and GMO Payment Gateway) |
| Platforms | both (separate entry points for iPhone and Android) |
| Certification | n/a |
| Transaction fee | from 1.98% ('1.98%~'); according to the footnote, the rate for micro businesses, subject to further conditions |
| Monthly fee | not published |
| Setup cost | not published |
| Contract term | k.A. |
| Cards accepted | Visa, Mastercard, Apple Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Micro businesses and SMEs in Japan |
| Available markets | Japan |
| Website | smbc-gp.co.jp |
| Data source | Open primary source ↗ |
Alternatives to stera tap (SMBC GMO PAYMENT)
Comparable providers in Asia-Pacific:
- DBS Bank — from 2.50%, Rating 2.4
- Westpac — from 1.25%, Rating 2.4
- 2C2P (Antom / Ant International) — on request, Rating 3.3
- Techcombank — on request, Rating 3.4
- Windcave — on request, Rating 3.4
Compare all providers in Asia-Pacific →
Frequently asked questions
stera tap tap to pay: do I need any extra hardware?
Not necessarily. stera tap (SMBC GMO PAYMENT) sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android.
Which countries is stera tap available in?
By our records: Japan. Availability changes, and the date above the table is when we last checked.