tapXphone (IBA Group) card reader review 2026: tap to pay fees and rating
Leading SoftPOS enabler for South-East and Eastern Europe; the technical basis for RaiPOS from Raiffeisen Bank International, among others.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
tapXphone (IBA Group) offers tapXphone / SoftPOS by IBA Group for iOS + Android. Transaction fee: on request; monthly fee: on request. Security certification: MPoC. Available in: Bulgaria, Croatia, Estonia, Greece, Kosovo, Latvia, Lithuania, Moldova.
tapXphone (IBA Group) terms in full
| Product name | tapXphone / SoftPOS by IBA Group |
|---|---|
| Provider type | SDK / white label |
| Headquarters | IBA Group (headquarters Prague, Czechia) |
| Founded | IBA Group in 1993; tapXphone around 2020 |
| Platforms | Android 8.0+ (NFC); iOS via Tap to Pay on iPhone in some projects |
| Certification | PCI MPoC (incl. MPoC Assessment Authority status since 11/2025), PCI DSS v4.0.1 |
| Transaction fee | on request ('no hidden fees') |
| Monthly fee | on request |
| Setup cost | on request; SaaS or on-premise |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Banks & PSPs / acquirers (25+ acquirers live) |
| Available markets | Bulgaria, Croatia, Estonia, Greece, Kosovo, Latvia, Lithuania, Moldova, Romania, Serbia, Slovakia, Ukraine |
| Website | tapxphone.com |
| Data source | Open primary source ↗ |
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Frequently asked questions
tapXphone tap to pay: do I need any extra hardware?
tapXphone (IBA Group) delivers tap to pay as an SDK or white-label product: banks, platforms and payment providers build it into their own apps. Depending on the market you may meet it under the tapXphone (IBA Group) name or under someone else's. Supported platforms: iOS + Android.
Which countries is tapXphone available in?
By our records: Bulgaria, Croatia, Estonia, Greece, Kosovo, Latvia, Lithuania, Moldova, Romania, Serbia, Slovakia, Ukraine. Availability changes, and the date above the table is when we last checked.