01 · Why Tap
A safer way to take payments
Wonderful Tap uses Pay by Bank technology to enable secure bank payments directly from your customer’s phone — without card terminals, charging docks or percentage fees.
Customers simply tap their phone on the Wonderful Tap, approve the payment with their bank and you receive instant confirmation.
02 · How it works
How it works
1. Tap
Customers tap their phone on the Wonderful Tap.
No apps required for customers.
2. Approve
The customer approves securely with their bank.
Biometrics and bank authentication keep every payment secure.
3. Paid
You receive instant confirmation and settlement.
No waiting days for card settlement cycles.
03 · Sectors
Designed for modern businesses
Wonderful Tap is designed to make Pay by Bank feel more natural at the counter, without the clutter and complexity of traditional terminals or the need for customers to scan QR codes.
Whether placed on a retail counter, café bar, reception desk or market stall, the Tap is designed to look elegant in any environment while still delivering a modern payment experience.
Retail
Perfect for boutiques, lifestyle stores and premium retail environments. Customers simply tap, scan or follow a payment link, then approve the payment in their banking app. No card terminal, no percentage fees and a cleaner checkout experience.
Hospitality
Ideal for cafés, bars, food counters and quick-service environments. Customers can pay quickly at the counter, at the table or on the move using their own banking app. It keeps queues moving and helps you avoid the cost and clutter of card terminals.
Wellness
Built for studios, salons, clinics and appointment-based businesses. Take payment before, during or after an appointment with a simple tap, QR code or payment link. It gives clients a smooth way to pay while keeping your payment costs predictable.
Mobile businesses
Made for markets, pop-ups, events and businesses without fixed payment infrastructure. Take secure Pay by Bank payments wherever you trade, without carrying or charging a card terminal. Customers pay directly from their bank account, and you get a simple, professional payment flow.
04 · Benefits
Why merchants are interested
No percentage fees
Keep more of every sale by avoiding card-style percentage fees. Wonderful uses simple pricing, so larger transactions do not become disproportionately expensive. That makes costs easier to forecast as your business grows.
No charging or maintenance
Wonderful Tap has no battery, charging dock or terminal software to manage. It is always ready on the counter, at the table or wherever you take payments. No pairing, updates or hardware faff between you and the next sale.
Instant bank payments
Customers pay directly from their bank account using Open Banking. They approve the payment securely in their own banking app, with no card details to enter. Funds move quickly, helping cash flow stay clear and predictable.
Simple monthly pricing
Choose a plan that fits how your business takes payments. You get predictable monthly costs, low transaction fees and no percentage charge on every sale. It is built to be easy to understand before you start, not after the bill arrives.
05 · The technology
Built on Pay by Bank
Wonderful Tap is powered by Open Banking technology, enabling secure account-to-account payments directly between customers and merchants.
Customers authenticate payments directly with their own bank using the same security and biometric approval they already trust for mobile banking.
Wonderful is an FCA Authorised Payment Institution operating in the UK.
06 · Design
Beautifully simple by design
Traditional payment terminals were designed around cards. Wonderful Tap was designed around modern bank payments.
No charging cables. No bulky hardware. No receipt rolls. No complex setup. Just a beautifully simple object that enables instant bank payments with a tap.
07 · Technical
Technical overview
Secure NFC interaction
The Wonderful Tap uses NFC technology to initiate secure Pay by Bank journeys on compatible mobile devices.
Dynamic payment orchestration
Payment logic is handled securely server-side, enabling merchants to configure payment flows without changing hardware.
No payment credentials stored
The Tap itself stores no sensitive payment credentials and requires no battery or active power source.
Built for integration
Wonderful Tap is being developed alongside the wider Wonderful platform and APIs.
08 · Beta programme
Merchant beta programme
Wonderful Tap is currently being tested with selected UK merchants ahead of wider rollout.
We are inviting a limited number of additional businesses to join the waitlist and help shape the future of Pay by Bank payments in physical retail environments.
09 · Join the waitlist
Join the waitlist
Register your interest and we’ll keep you updated on availability, beta access and launch plans.