Taprail

About Taprail

Taprail turns your phone into every card in your pocket.

Add your Nigerian debit or credit cards once, then pay straight from your phone — tap to pay on Android, scan to pay on iPhone. Your money stays in your bank. We never hold it.

NO NEW ACCOUNT, NOTHING TO TOP UP
Taprail is not a wallet you fund. Every payment comes from the bank card you choose and is approved by your own bank, the same as paying with the card itself.

PAY AT THE TILL
On Android, hold your phone on the reader and you're done. On iPhone, scan the code at the till — and tap to pay is coming to iPhone as soon as Apple opens it up for Nigeria. Either way, your real card number is never shared with merchants or terminals.

EVERY CARD IN ONE PLACE
Keep cards from any Nigerian bank together and pick the one to pay with — switch whenever you like.

LOSE YOUR PHONE, NOT YOUR MONEY
Your wallet is locked behind Face ID, fingerprint or a PIN. If your phone goes missing, your cards stay locked, and you can freeze any of them the moment you sign in somewhere else.

SPLIT BILLS WITHOUT THE AWKWARD MATHS
Out with friends? Tap phones, scan a code, or share a short code — everyone pays their own share from their own card before you leave the table.

TRACK EVERY KOBO
Every payment lands in your activity feed, grouped by day and searchable, with approvals and declines clearly marked.

SPEAKS YOUR LANGUAGE
Use Taprail in English, Yorùbá, Hausa or Igbo.

BUILT FOR NIGERIA
Made for how Nigeria pays: Nigerian banks, naira amounts, and the cards you already carry. Sensitive card details are tokenised and held by our regulated payment partners — never on your phone, never on our servers in the clear.

Taprail is not a bank. We do not hold your money.