Koard: Orchestrating the Future of Contactless Payments
Coffee shopCounter · Tap to Pay
SalonChair-side checkout
RestaurantTableside · no hardware
GymFront desk memberships
BoutiqueFloor associate app
ClinicFront office payments
MarketStall · phone as terminal
HotelConcierge · in-app
Hold Here to Pay
Clinic
$
150.00
Payments for your clinic.
Processed by TSYS.
Powered by
Hold Here to Pay
Your Brand
$
17.25
Tap to Pay. Your Processor.Your App.
One SDK to embed contactless payments on iPhone & Android — white-label ready, MPoC-certified out of the box, with multi-processor routing.
·
5+ processors·
✓No hardware✓MPoC Certified✓White-label
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Why platforms choose Koard
Ship contactless payments without the drag
Live in weeks
Production-ready SDK, Apple entitlements, and processor routing — skip the 18-month certification marathon.
Your brand, our rails
White-label iOS and Android SDKs that live natively in your partners’ apps. No redirects, no hardware.
Certified out of the box
PCI MPoC, Tap to Pay on iPhone, and processor certifications handled — so you ship, not audit.
Live in weeks
Production-ready SDK, Apple entitlements, and processor routing — skip the 18-month certification marathon.
Your brand, our rails
White-label iOS and Android SDKs that live natively in your partners’ apps. No redirects, no hardware.
Certified out of the box
PCI MPoC, Tap to Pay on iPhone, and processor certifications handled — so you ship, not audit.
Trusted by leaders in payments
0 wks
To Go Live
0+
Processors
0 SDK
iOS & Android
0
Hardware Required
Multi-Processor Routing
Route to any processor. No lock-in.
Switch processors without rewriting a single line of code. Koard's routing engine lets you optimize for cost, reliability, and speed.
+ More
Why Koard
The future of payments, already shipped
Everything platforms need to launch contactless payments — without the multi-year compliance slog.
Recommended
✓
Go live with Tap to Pay on iPhone & Android in under 6 weeks
Fast-track integration with a production-ready SDK
Other Providers
✗
3-6 month build timelines and Apple review delays
Custom builds and long certification paths
Recommended
✓
One SDK for Tap to Pay -- white-labeled and compliant
Launch under your brand, with full Apple & Google approval
Other Providers
✗
Multiple integrations required for basic Tap to Pay
Fragmented setup with separate SDKs and vendors
Recommended
✓
Route to any processor, anytime
TSYS, Fiserv, Elavon, Worldpay, Payroc -- no vendor lock-in
Other Providers
✗
Processor-specific or locked-in infrastructure
Limited flexibility to optimize or reroute payments
Recommended
✓
End-to-end onboarding and compliance, built in
Includes Apple entitlements, App Store readiness, and reporting
Other Providers
✗
Compliance left to the platform
No help with Apple marketing, onboarding, or terms
Recommended
✓
Designed for platforms, not individual merchants
Optimized for PSPs, ISVs, PayFacs, and ISO-led deployments
Other Providers
✗
Merchant-focused systems retrofitted for platforms
Not built for SDK-driven or white-label use cases
Products
One stack for in-person payments — and the business around them.
Start with the core platform, or pull in exactly the pieces you need. Every product is API-first, white-label ready, and built to plug into what you already run.
01
Core Platform
The payments backbone.
REST APIWebhooksDashboardReporting
One API and dashboard to onboard merchants, accept Tap to Pay, route transactions, and reconcile — every event keyed off MID / TID / MCC so your data stays clean from terminal to ledger.
curl-X POST https://api.koard.com/v1/sale \
-H"Authorization: Bearer koard\_live\_..." \
-d'{ "amount": 1725, "mid": "TZPU01GC" }'
// → 200 { "status": "approved" }
02
White-Label SDKs for Partners
Your brand. Our rails.
SwiftKotlinWhite-labelDrop-in
Drop-in iOS and Android SDKs your partners ship under their own brand. No redirects, no hardware, no reader — Tap to Pay lives natively inside their app and looks 100% like them.
let sdk = KoardMerchantSDK.shared
sdk.prepare(theme: .partner)
try await sdk.sale(amount: 1725)
03
Out of the box
MPoC, Out of the Box
Certified contactless. No app-to-app.
PCI MPoCAndroidCertifiedOn-device
We embed PCI MPoC (Mobile Payments on COTS) certification directly into your partners’ Android apps — so they accept contactless on-device. No clunky app-to-app hop, no separate kernel to certify. It just works.
// MPoC attestation handled for you
sdk.attest() → certified
sdk.acceptContactless() // on-device
04
AI
AI Pricing
Pricing that builds itself.
AutomationInterchangeOptimization
Build pricing automation without the spreadsheet sprawl. Our models reason over interchange, surcharge, and fee logic, then propose optimized programs you can roll out across portfolios in a click.
koard.pricing.optimize({
portfolio: "isv\_north",
target: "margin"
}) // → +0.31% blended
05
Works standalone
Billing
Aggregate upstream. Serve downstream.
MID/TID/MCCISV / ISOStandalone
Roll up billing upstream across MID / TID / MCC — the same primitives we use in-house. Built for service providers that are direct-to-merchant today and want to serve ISVs and ISOs tomorrow. Use it standalone; no need to be on the core platform.
// aggregate upstream by hierarchy
billing.rollup({ by: ["mid", "mcc"] })
→ 1,204 TIDs · 38 ISOs · $4.2M
Not sure which pieces you need?
Mix and match — or let us map it to your stack.
How It Works
Weeks with Koard. Years on your own.
Focus on your core business while Koard handles certification, compliance, and approvals.
6 weeks total
Other path30+ months
Total Implementation Time
Initial Setup & Integration
Step 01
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
3–6 monthsOther path
- ✗ Complex architecture setup
- ✗ Multiple SDK and payment method integrations
- ✗ No Apple-specific guidance or support
L1 EMV Certification
Step 02
Included
- ✓ Pre-certified software environment
- ✓ Instant availability — no hardware required
- ✓ All compliance managed by Koard
4–6 monthsOther path
- ✗ Requires physical card reader testing
- ✗ Intensive compliance audits
- ✗ Heavy engineering investment
L2–L3 EMV Certification
Step 03
Included
- ✓ Certified kernel and protocols built-in
- ✓ Ongoing updates and compliance support included
6–8 monthsOther path
- ✗ Application-layer testing and approval
- ✗ Kernel builds and EMV network certifications
- ✗ Card-brand specific requirements
Processor Certification
Step 04
Included
- ✓ Pre-integrated with major processors
- ✓ No additional certification effort
- ✓ Seamless routing enabled instantly
~12 months / processorOther path
- ✗ Must test and certify each processor independently (~12 months each)
- ✗ Extensive QA cycles
- ✗ Redundant back-and-forth with processors
Apple Partner Approval
Step 05
Included
- ✓ Apple-compliant app and backend pre-approved
- ✓ Includes marketing, entitlement, and documentation templates
- ✓ Continuous updates to stay aligned with Apple's evolving program
9–12 monthsOther path
- ✗ Complex Apple approval process (typically 9–12 months)
- ✗ Legal, marketing, and engineering resources needed
- ✗ Recertification risk with each app update
Total Implementation Time
Step 06
6 weeks total
- ✓ 6 weeks total
- ✓ End-to-end guidance and support
- ✓ Automatic updates, partner-tested workflows, and live customer support
30+ monthsOther path
- ✗ 30+ months
- ✗ Dozens of manual certification steps — including ~12 months per processor
- ✗ Risk of delays, rejections, and ongoing maintenance burden
Focus on your core business while Koard handles everything else
Get Started
Save time. Ship faster.
Go live on iPhone & Android with your processor, your brand — in weeks, not years.
Ready to launch Tap to Pay?
Talk to our team or explore the docs — whichever gets you moving first.