Tap to Pay on iPhone. Your App. Your Brand. Your Processor.
Built by developers, for developers. Powered by Apple.
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Why choose Koard?
Koard helps you go live with Tap to Pay on iPhone and Android in weeks—not months—powered by a flexible solution that includes an SDK, white-label mPOS, multi-processor routing, and built-in support for Apple onboarding, marketing, and compliance.
Other Providers
Go live with Tap to Pay on iPhone in under 6 weeks
Fast-track integration with a production-ready SDK
3–6 month build timelines and Apple review delays
Custom builds and long certification paths
One SDK for Tap to Pay on iPhone — white-labeled and compliant
Launch under your brand, with full Apple approval
Multiple integrations required for basic Tap to Pay
Fragmented setup with separate SDKs and vendors
Route to any processor, anytime
Built-in routing flexibility with no vendor lock-in
Processor-specific or locked-in infrastructure
Limited flexibility to optimize or reroute payments
End-to-end onboarding and compliance, built in
Includes Apple entitlements, App Store readiness, and reporting
Compliance left to the platform
No help with Apple marketing, onboarding, or terms
Designed for platforms, not individual merchants
Optimized for PSPs, ISVs, and ISO-led deployments
Merchant-focused systems retrofitted for platforms
Not built for SDK-driven or white-label use cases
Products
Koard SDK
One SDK to power Tap to Pay on iPhone and Android—fully embeddable, white-label ready, and built to scale.
White-Label mPOS
Let your merchants use Tap to Pay inside your app, with your brand. No hardware, no reader, no redirect.
Routing Engine
Unlock the freedom to route transactions to any supported processor—no lock-ins, no rewrites.
Koard Constellation
A suite of value-add services to help partners meet Apple’s compliance, onboarding, and marketing requirements.
Implementation Timeline Comparison
Focus on your core business while Koard handles everything else
Initial Setup & Integration (2 weeks)
Developer-ready SDK and docs
Certified for Tap to Pay on iPhone out of the box
No EMV certification required
Apple entitlements pre-configured
Complex architecture setup
Multiple SDK and payment method integrations
No Apple-specific guidance or support
L1 EMV Certification
Pre-certified software environment
Instant availability — no hardware required
All compliance managed by Koard
Requires physical card reader testing
Intensive compliance audits
Heavy engineering investment
L2–L3 EMV Certification
Certified kernel and protocols built-in
Ongoing updates and compliance support included
Application-layer testing and approval
Kernel builds and EMV network certifications
Card-brand specific requirements
Processor Certification
Pre-integrated with major processors
No additional certification effort
Seamless routing enabled instantly
Must test and certify each processor independently
Extensive QA cycles
Redundant back-and-forth with processors
Apple Partner Approval
Apple-compliant app and backend pre-approved
Includes marketing, entitlement, and documentation templates
Continuous updates to stay aligned with Apple's evolving program
Complex Apple approval process
Legal, marketing, and engineering resources needed
Recertification risk with each app update
Total Implementation Time
6 weeks total
End-to-end guidance and support
Automatic updates, partner-tested workflows, and live customer support
18+ months
Dozens of manual certification steps
Risk of delays, rejections, and ongoing maintenance burden
Focus on your core business while Koard handles everything else
Ready to get started? Let's talk.
Get in touch with our team to learn how Koard can help your business streamline payments, reduce costs, and accelerate growth.