How AuraTap Works

From signup to settlement in minutes. A complete payment infrastructure designed for speed, security, and compliance.

Central Bank Licensed 6 Countries PCI DSS Compliant AI-Powered

The User Journey

Four simple steps to start accepting or making payments

01

Sign Up

Create your account in 2 minutes. Complete KYC with ID upload and selfie verification.

02

Fund Your Wallet

Add money via bank transfer, card, mobile money, or crypto. Multi-currency support.

03

Pay or Accept

Scan QR codes, tap your phone, or share payment links. Works everywhere.

04

Instant Settlement

Money moves in real-time. View transactions, download receipts, and track spending.

Multiple Payment Methods

Accept and make payments using any method your customers prefer

QR Code Payments

Generate or scan QR codes for instant payments. No hardware needed, works on any smartphone.

Tap to Pay (NFC)

Accept contactless card payments by tapping on your phone. Turn your device into a POS terminal.

Payment Links

Share payment links via WhatsApp, SMS, or email. Perfect for remote sales and invoicing.

Card Payments

Accept Visa, Mastercard, and local card schemes with full PCI DSS compliance.

Mobile Money

Integrate with MTN, Vodafone, Airtel, and other mobile money providers across Africa.

Crypto Payments

Accept USDT and other stablecoins with instant conversion to local currency.

Flexible Settlement Options

Choose how and when you receive your money

Instant to Wallet

Receive payments instantly in your AuraTap wallet. Use funds immediately for other transactions or transfers.

Scheduled Bank Payouts

Set up daily, weekly, or monthly automatic transfers to your bank account. Perfect for business accounting.

Fee Reporting

Transparent fee breakdown for every transaction. Download reports for accounting and tax purposes.

AI-Powered Intelligence

AuraTap's AI layer analyzes your transactions to provide personalized insights, fraud detection, and business growth recommendations.

  • Real-time fraud detection and risk scoring
  • Spending insights and savings recommendations
  • Merchant coaching and sales forecasting
  • Credit readiness scoring for loan access
AI Insight

You spent 23% more on dining this month. Consider setting a budget alert.

Security Alert

Unusual transaction pattern detected. We've temporarily paused your account for verification.

Business Tip

Your sales peak on Fridays. Consider running promotions on Thursdays to boost traffic.

Ready to Get Started?

Join thousands of users and merchants already using AuraTap