Koard provides a single cross‑platform SDK that embeds Apple Tap‑to‑Pay functionality into iOS and Android apps, eliminating separate integrations and EMV certification. The platform includes a white‑label mobile POS and a dynamic routing engine that lets payment service providers switch processors without code changes, while handling Apple entitlement onboarding and ongoing compliance.
Funding
Funding not disclosed
Founders
Product
Problem
Integrating Apple‑enabled Tap to Pay on iPhone and Android requires navigating Apple’s entitlement process, multiple certification steps, and separate SDKs for each processor, which can extend development cycles to months and introduce vendor lock‑in. Platforms and ISVs must also manage ongoing compliance, EMV certification, and marketing approvals, adding operational overhead and delaying time‑to‑market.
Solution
Koard delivers a unified, developer‑focused SDK that embeds Tap to Pay functionality for both iOS and Android under a single codebase, eliminating the need for separate integrations. The platform includes a white‑label mobile POS that lets partners brand the checkout experience without hardware or redirects. Koard’s routing engine abstracts processor connections, enabling instant switching between supported acquirers without code changes. End‑to‑end Apple onboarding, entitlement provisioning, and compliance documentation are handled by Koard, reducing certification timelines to roughly six weeks. Continuous updates and built‑in monitoring keep the integration aligned with Apple’s evolving requirements, allowing partners to focus on their core product rather than payment infrastructure.
Target Audience
The solution is aimed at payment service providers, independent software vendors, and fintech platforms that need to embed contactless payment acceptance into their consumer‑facing applications at scale.
Features
- Single cross‑platform SDK (iOS / Android) with pre‑certified Apple Tap to Pay entitlements and no EMV certification required
- White‑label mobile POS component that can be branded and embedded directly into partner apps, eliminating the need for external card readers
- Dynamic routing engine supporting multiple payment processors with plug‑and‑play configuration and no vendor lock‑in
- Automated compliance suite covering Apple program onboarding, marketing asset templates, and ongoing regulatory updates
- Full API and developer documentation, including sample code, sandbox environments, and versioned release notes
- Real‑time transaction monitoring and reporting dashboard with role‑based access controls
- Automatic SDK updates and backward‑compatible patches delivered via over‑the‑air distribution