01
Pay with the cards you already have
Add your Nigerian bank cards once, then choose the right one each time you pay.
Built for Nigerian bank cards
Every card.One way to pay.
Taprail brings the bank cards you already own into one wallet. Choose a card, approve the payment with your bank, and keep every receipt in one place.
No new bank accountYour bank holds your money
Taprail wallet
Actual app · Light and dark
Built for the cards already in your wallet.
What Taprail does
Your everyday payments, without the clutter.
One calm place to choose a card, pay, split, and understand the result.
02
Split one bill without the awkward chase
Create a split, share it with friends, and see exactly who has paid and who is still pending.
03
Understand what happened after every tap
Approved payments, refunds, declines, and receipts stay together in one activity trail.
Clear transaction language
Successful, refunded, or pending. Never ambiguous.
Successful payments appear in green. Refunds use a separate neutral tone, so returned money never looks like a new payment.
T
The Place
Approved
−₦3,905
C
Cinema House
Refunded
+₦4,500
9
9Mobile
Pending
₦200
One payment, three steps
You choose the card. Your bank makes the call.
Taprail never moves money without your bank’s approval.
01
Choose a card
Pick the bank card you want to use for this payment.
02
Approve with your bank
Your bank checks and authorises the charge.
03
Keep the receipt
Taprail records the final status so you always know what happened.
Your bank stays in control.
Taprail does not replace your bank or hold your money. Merchants receive the payment result, not your real card number.
Questions and answers
What people ask before adding their cards.
Yes. Merchants never see your real card number. Your wallet is locked behind Face ID or a PIN, and every payment is authorised by your own bank.
No. Taprail is not a bank and does not hold your funds. Your money stays with your bank until you approve a payment.
Taprail is built for Nigerian debit and credit cards. You add the cards you already have, without opening a new bank account.
We are opening Taprail to a first group of users in Nigeria. Join the waitlist and we will email you when your spot is ready.