Tap Payments vs PayTabs
Head-to-head on the fields that decide real cost and approval odds — fees, eligibility, onboarding, coverage. Data from our catalogue; confirm current terms with each provider.
In short
In short: pick Tap Payments for lower fixed fee per transaction and faster settlement; pick PayTabs for lower card processing rate, wider currency coverage and POS support.
Catalogue fields last reviewed 2026-10-17.
Pick Tap Payments if…
Tap Payments · full profile
- You run many small transactions — fixed fee is AED 0.
- You need faster settlement — stated as T+1–3.
Pick PayTabs if…
PayTabs · full profile
- You run volume on card processing — rate starts at 1.75%.
- You need wider currency coverage — AED, SAR, USD +.
- You take in-person payments — POS support included.
Side-by-side
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| Tap Payments | 2.75% | AED 0 | AED 0 | T+1–3 |
| PayTabs | 1.75–2.9% | AED 1 | AED 0 | T+2–4 |
Who wins on each published field
| Field | Leads |
|---|---|
| lower card processing rate | PayTabs |
| lower fixed fee per transaction | Tap Payments |
| wider currency coverage | PayTabs |
| faster settlement | Tap Payments |
| POS support | PayTabs |
Estimated first-year fixed cost (AED)
| Product | Year-1 fixed cost |
|---|---|
| Tap Payments | AED 0 |
| PayTabs | AED 0 |
Published monthly fee × 12 plus annual fee. Transaction, FX and penalty charges are not included — see the field table above.
All published fields
| Field | Tap Payments | PayTabs |
|---|---|---|
| Monthly fee | AED 0 | AED 0 |
| Multi-currency | Not published | AED, SAR, USD + |
| Card processing rate | 2.75% | 1.75–2.9% |
| Fixed fee per transaction | AED 0 | AED 1 |
| Settlement | T+1–3 | T+2–4 |
| Payment links | Yes | Yes |
| In-person / POS | Not published | Yes |
| Public rating | 1.7/5 — 155 reviews (Trustpilot) | 2.6/5 — 287 reviews (Trustpilot) |
Which fits your business
- Import-export / international payments: widest currency coverage is PayTabs.
- In-person sales: POS support is published by PayTabs.
Verdicts above are derived from published catalogue fields — the cheaper, faster or broader option on each field wins the bullet. Position is not sold. Methodology
Fact sources: tap.company · paytabs.com
Frequently asked questions
Which is cheaper — Tap Payments or PayTabs?
On published monthly fees: Tap Payments — AED 0/mo; PayTabs — AED 0/mo. Lowest fixed cost: Tap Payments and PayTabs. Factor in minimum balance and transaction fees from the table above.
Where does this comparison data come from?
Each field is read from the provider's published terms and was last reviewed on 2026-10-17. Raqma is a comparison service — we do not decide applications, and placement in this comparison is not sold.
Raqma is a comparison service — we do not decide applications, and placement in this comparison is not sold.