Customer selects merchant goods
Responsible finance for everyday commerce
Shop today. Pay over time. Build your financial future.
Tappo brings customers, merchants, and trusted financial institutions together in one transparent digital financing experience—from eligibility to purchase and repayment.
Clear costs before confirmation Bank-governed decisions Consent-led data use
Shop with TappoQR · Code · In-app
Bank-governedClear, auditable decisions
Documented Murabaha
Asset-backed financing with a clear ownership trail
The financing institution acquires the selected goods before ownership is transferred to the customer at an agreed deferred price.
Cash price, profit and schedule are disclosed
Customer accepts a time-limited quotation
Bank acquires the goods and pays the merchant
Ownership transfers to the customer
Delivery, receipt and settlement are recorded
One connected platformCustomer financingMerchant commerceBank risk governanceResponsible credit
Built for the full ecosystem
More than a lending app
Tappo helps every participant create a better, safer financing experience.
For customers
Explore eligible financing, shop with partner merchants, follow clear repayment schedules, and build a stronger Tappo repayment history.
Discover the journeyFor merchants
Help eligible customers complete purchases through in-app shopping, QR, or payment codes while managing products, orders, and inventory.
Grow with TappoFor banks
Configure institution-specific policies, govern risk decisions, review uncertain cases, and monitor outcomes with auditable evidence.
Explore the platformA clear customer journey
From sign-up to successful repayment
Every stage is designed to be understandable, secure, and easy to follow.
Create your account
Register securely with your mobile number and protect access with your PIN.
Verify your identity
Complete identity verification to protect your account and meet financial requirements.
Connect with consent
Where supported, authorize relevant bank information for a defined purpose and period.
Explore your options
Review available products, amount ranges, costs, tenure, and repayment frequency.
Receive a clear result
See whether you are approved, need review, are not eligible, or should try again later.
Shop, repay, progress
Use approved financing, monitor installments, and build your Tappo repayment history.
Merchant experienceSell smarter with flexible customer financing
QR purchase Live orders
Commerce that converts
Help more customers complete the purchase
Tappo gives partner merchants a modern way to reach eligible customers online and in store.
- Create digital shops and publish product listings
- Accept financed purchases through QR, codes, or in-app checkout
- Manage inventory, orders, offers, and customer reviews
- Track transaction and fulfillment status from one portal
Sell through Tappo
Publish products, receive authorized financed purchases and record delivery from one merchant portal.
Finance your business
Verified merchants may apply for institution-approved business financing using their business, sales and repayment information.
Subject to bank verification, eligibility and approval.Built for financial institutions
Your policies. Your risk appetite. Governed decisions.
Tappo provides the infrastructure for responsible digital credit while each participating institution remains in control of its lending rules and approvals.
Segment-aware policies
Manage different rules for thin-file, hybrid, and established customers by bank and product.
Monitoring and evidence
Track outcomes, availability, latency, data quality, and policy performance with auditable records.
Human review where needed
Route uncertain applications to authorized reviewers instead of forcing an automated outcome.
Infrastructure errors are treated as temporary service failures—not customer credit declines.
Responsible credit
Designed for clarity, affordability, and progress
Tappo helps customers understand financing before they confirm and build useful history through real repayment performance.
Know the cost
See the financing amount, participating bank, rates or profit, commission, schedule, and total cost before confirmation.
Fair assessment
Eligibility can consider affordability, verified information, Tappo performance, and consented bank data where available.
Build local history
Successful installments and completed Tappo loans gradually create a stronger internal financial track record.
Understand the result
Customer-safe explanations distinguish approval, review, ineligibility, and temporary service unavailability.
Trust by design
Your information deserves careful protection
Security, consent, and accountable access are part of the product—not an afterthought.
Secure account access
Identity verification, device checks, protected sessions, and carefully managed authentication help secure customer accounts.
Transparent consent
Bank information is requested only for a stated purpose, defined scope, and limited consent period.
Accountable decisions
Policy versions, review actions, and decision evidence are retained for governance and appropriate oversight.
Questions, answered
Everything you should know before you begin
Clear answers about eligibility, costs, decisions, consent, and repayments.
Does Tappo guarantee loan approval?+
No. Availability and approval depend on the participating bank’s policies, the selected product, affordability, verification, and available information.
What if I have limited credit history?+
Tappo is designed to support thin-file customers. Where allowed, assessment may use verified information, consented bank transactions, and your growing Tappo repayment history.
How will I know what I need to repay?+
Before confirmation, the app shows the amount, tenure, repayment frequency, applicable charges, installment amount, and total cost.
Does Tappo use my bank information automatically?+
No. Bank information is used only where the integration is supported and after you provide explicit consent for a defined purpose and period.
What happens when a decision cannot be completed?+
A temporary technical problem is shown as unavailable or retryable. It is not converted into a credit decline.
Where can I use approved financing?+
Eligible customers can use financing with participating merchants through supported in-app, QR, or payment-code experiences.
Ready when you are
A better way to shop, finance, and grow
Get access to Tappo or speak with us about becoming a merchant or financial-institution partner.
Products, eligibility, and availability vary by participating institution and market.