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What is TAP & GO?

TAP & GO is a 100% virtual payment terminal developed by FedaPay. It allows you to collect payments from your customers via QR Code, USSD, or NFC without any expensive device or mandatory internet connection, thanks to USSD payments. A basic phone is all you need, even a non-smartphone. It’s simple, secure, and accessible to everyone.

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Do I need any special terminal or device?

No, and that’s the beauty of it. TAP & GO doesn’t require any physical terminal. You receive a payment kit (a display card or compact plaque) with your personalized QR code, USSD code, and NFC tag. No hardware to buy or rent.

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Who can use TAP & GO?

Everyone:

  • Existing FedaPay merchants (e-commerce or online vendors)

  • Physical businesses (grocery stores, fashion boutiques, pharmacies, bars, restaurants)

  • Independent workers and mobile professionals (Zemidjans, hairdressers, electricians, tailors)

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How do I get TAP & GO if I’m a merchant on the ground?

A FedaPay agent will visit you, install the TAP & GO app on your phone, register your account, and hand over your payment kit (display plaque or card). You’ll be ready to accept payments in less than 15 minutes.

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What if I already have a FedaPay account?

Great news: TAP & GO is available directly from your FedaPay dashboard. You can activate the feature with no need to install a new app. You’ll then be able to accept payments via QR or USSD, and request a display kit if needed.

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Do my customers need to register?

Not at all. Your customers can pay you using their regular mobile wallet: MTN Money, Moov Money, Celtiis, MyFeda, BMO, Coris Money—or even with their VISA or Mastercard. No app download or account creation is required on their part.

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What if they don’t have internet access?

No problem. With USSD payment, your customers can pay without data or smartphones. That’s what makes TAP & GO truly inclusive.

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Is the mobile app required?

  • Yes, if you’re a physical shop or an artisan: You’ll need the TAP & GO mobile app to track your transactions, receive payment alerts, and check your balance.

  • No, if you’re already a FedaPay merchant and use the web dashboard: Everything happens directly in your interface—no app required.

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What documents do I need to provide?

It depends on your business type:

  • Shops, restaurants, pharmacies, etc.: RCCM (Business Registration), IFU (Tax ID), and a valid ID

  • Artisans, taxi drivers, hairdressers, etc.: IFU and a valid ID

Documents are submitted through the TAP & GO app with support from a FedaPay agent.

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How much does TAP & GO cost?

It’s completely free. The installation, mobile app, and your payment display (plaque or card) are provided at no cost. No hardware fees.

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When will I receive my funds?

Your payments are credited to your FedaPay account and automatically transferred to your Mobile Money account within 24 hours (next-day payout).

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Can I track my payments?

Yes. The TAP & GO app (or your FedaPay dashboard, if you’re an online seller) allows you to:

  • Track your transactions in real time

  • Check your account balance

  • View your payment history

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What happens if my phone is off?

No worries. Your payments are still processed. Once your phone is back on, you’ll receive a notification and can access your transaction details in the app.

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What if a customer is charged but the transaction doesn’t show as approved?

This can happen in rare cases. Here’s what to do:

1-Refresh your app

2-Wait a few minutes

3-If the status doesn’t update, take a screenshot of the customer’s payment message and submit a short claim from the app

Our team will quickly review and resolve your issue.

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Will I lose my data if I change phones?

No. Your account is secure. Just install the TAP & GO app on your new phone and log in with your email address to retrieve all your data.

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Can I receive training?

Absolutely. The FedaPay agent provides a live onboarding session during setup. You’ll also receive a short video tutorial to review the process at your own pace.

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How does TAP & GO protect against fraud?

Each payment tag (QR, USSD, NFC) is unique and securely linked to your account. Enrollments can only be initiated using a verified FedaPay agent ID. No registration can happen without an official agent. And no agent will ever ask for your password.

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What if I have an issue?

Our dedicated TAP & GO support team is here to help: support@fedapay.com

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Is there a commission on each payment?

Yes. As with all FedaPay transactions, a standard 1.8% fee is automatically deducted from every Mobile Money payment (MTN Benin and Moov Benin).

  • The fee is applied automatically—no action is required on your part.

  • You receive the net amount instantly visible in your TAP & GO balance.