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Fewer dead ends
Create a clearer route when the customer is ready to pay, especially on mobile and remote journeys.
Payment technology in development
A simpler path from checkout to payment.
TapEP is building a mobile-first payment experience designed to reduce friction, create clearer handoffs and help merchants turn more payment intent into completed transactions.
Pre-launch concept · Designed with security, privacy and compliance in mind
TapEP
Payment request
Your merchantSecure payment journey
£42.50
1 Review the payment
2 Authorise securely
3 Receive clear confirmation
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Payment confirmedClear status for customer and merchant Clear payment handoffs
Merchant-first thinking
Privacy by design
Mobile-native experience
The opportunity
Payments work. The journey around them can work better.
Customers often move through several steps between deciding to buy and receiving a clear confirmation. TapEP is being designed around making that journey feel more direct and understandable.
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Clearer status
Design the experience so both sides understand what is happening before, during and after a payment attempt.
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Less unnecessary exposure
Explore flows that minimise the need for customers to share payment information directly with a merchant wherever the chosen payment method permits.
How TapEP fits
A payment journey built around three moments.
The exact production flow will depend on technical, regulatory and partner validation. The product principle is deliberately simple.
Start where the customer already is.
A merchant initiates a payment journey without forcing the customer through unnecessary complexity.
Move into a secure authorisation step.
The customer completes the supported payment flow through an appropriate secure payment channel.
Return a clear result.
Customer and merchant receive an understandable completion state, reducing uncertainty around whether payment succeeded.
Payment journeyClearDesigned for visibility
Customer flowSimpleMobile-first thinking
Payment completed
DoneCustomer received confirmation
Payment in progress
OpenAuthorisation step active
Journey recoverable
ActionClear next action for the customer
For merchants
Built to fit the business, not distract from it.
TapEP is being explored as an additional payment experience for participating merchants, with the underlying payment processing handled by suitable regulated payment infrastructure.
Cleaner customer journeys
Reduce avoidable steps between a payment request and a customer’s secure authorisation.
Integration-minded from the start
Designed with merchant systems, payment partners and operational realities in mind rather than as a closed standalone experience.
Clear boundaries
TapEP does not need to present itself as the bank or card network. The goal is to improve the experience around established payment infrastructure.
Trust & security
Trust has to be designed in, not added later.
TapEP is still in development. Any production payment experience will need to meet the applicable security, authentication, fraud, regulatory and payment-partner requirements before launch.
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Data minimisation. Design each flow around collecting and exposing only what is necessary for the supported payment journey.
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Appropriate authentication. The production design will use the security controls required by the payment method, risk level and relevant partners.
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Regulated infrastructure. The intended model is to work with established payment providers rather than present TapEP as a bank or card network.
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No premature claims. Features are described publicly only when their technical and compliance path has been validated.
In development
Building the right product before making the big promises.
TapEP is currently validating its product experience, integration model and compliance path with the goal of creating a payment platform that can serve both customers and participating merchants responsibly.
StageProduct & integration validation
Primary marketUnited Kingdom
FocusPayments · mobile · merchant experience
Questions
What TapEP is — and what it isn’t.
Is TapEP available to use today?
Not yet. TapEP is a pre-launch payment technology concept in active development and validation. This website does not represent a currently available regulated payment service.
Does TapEP hold customer money?
The intended model is to rely on suitable payment providers for underlying payment processing rather than operate as a bank. The final production architecture remains subject to partner, regulatory and technical validation.
Can merchants express interest?
Yes. Merchants, payment partners and potential collaborators can join the early-access list below. Early interest helps shape which real-world payment journeys are prioritised.
Why doesn’t this site describe every feature?
Because the product is still being validated. We prefer to describe only the capabilities that have a credible technical and compliance path rather than publish speculative promises.
Early access
Help shape what TapEP becomes.
We’re speaking with merchants, payment specialists and potential partners who care about making payment journeys simpler.
✓ No commitment required✓ Pre-launch updates only✓ Your details are not published