The companies below build tap-to-pay apps, digital wallets and NFC/QR payment features on top of providers such as Stripe, Adyen or Marqeta. Contactless payments now span more than card readers at a retail counter. Mobile wallets, NFC-enabled phones, digital card issuance, and connected merchant software all play a role in how people pay without handing over a card. For businesses, the main decision is often whether they need payment acceptance technology, issuer infrastructure, or custom applications that connect existing services. Security, device compatibility, processing coverage, and integration requirements shape the choice.
1. Itexus
Itexus develops financial software for banks, fintech businesses, and payment-focused products. Its work includes custom digital wallets, payment integrations, and the infrastructure behind mobile financial experiences. In a published wallet ecosystem project, Itexus delivered mobile applications, point-of-sale kiosk software, web interfaces, and cloud APIs that connect financial functions across channels.
For contactless payment projects, the relevant capabilities include wallet architecture, NFC and QR payment features, external processor connections, and transaction workflows. Itexus is a practical development partner for organizations building a branded payment experience or extending an existing financial platform instead of purchasing a merchant terminal product.
Key Facts
- Best for: Custom wallet products and payment software engineering
- Core services: Contactless payment app development, wallet development, payment API integration
- Specialization: Custom financial platforms and integrated payment workflows
- Headquarters: Dover, DE, USA
- Founded: 2013
- Team size: 150+ engineers
Contact Information
- Website: itexus.com
- Email: moc.suxeti@ofni
- LinkedIn: www.linkedin.com/company/itexus
- Facebook: www.facebook.com/itexus
- Twitter: x.com/ItexusSoft
- Instagram: www.instagram.com/itexus.soft
- Address: 8, The Green, STE road, Dover, DE 19901, United States
2. MYPINPAD
MYPINPAD is a UK payment software company that builds SoftPOS technology, letting merchants accept contactless card payments on Android devices and through Tap to Pay on iPhone. It positions itself as independent of card schemes, acquirers and device makers, and offers its Maple platform for payments and authentication alongside software and services. It suits acquirers and payment providers that want to launch a branded tap-to-phone product.
Key Facts
- Best for: Acquirers and PSPs launching branded SoftPOS apps
- Core services: SoftPOS platform, white-label apps, EMV kernels, authentication
- Specialization: Tap to Pay on iPhone and Android SoftPOS acceptance
- Headquarters: Cardiff, UK
- Founded: 2012
Contact Information
- Website: mypinpad.com
- Email: moc.dapnipym@ofni
- Phone: +44 (0)29 2067 4437
- LinkedIn: www.linkedin.com/company/mypinpad
3. Interad
Interad is a Toronto digital agency that designs and develops mobile apps and web platforms for financial institutions and e-commerce companies. Its services cover development, project management, quality assurance, UX/UI design and ongoing support, so a contactless project can go from interface design to release with one team.
Its published case study describes a tap-to-pay app built for a Canadian bank in 2015: a Host Card Emulation solution with NFC tap to pay on Android, plus infrastructure to support HCE, delivered over six months in work involving Google and Apple. It suits banks that want a custom-designed mobile wallet or tap-to-pay app.
Key Facts
- Best for: Banks building custom mobile wallet and tap-to-pay apps
- Core services: Mobile app development, UX/UI design, QA, project management
- Specialization: HCE and NFC tap-to-pay apps for financial institutions
- Headquarters: Toronto, Canada
- Founded: 1995
Contact Information
- Website: interadcorp.com
- Email: moc.procdaretni@ofni
- Phone: 416-516-1944
- Address: 302 Bay Street, Suite 504, Toronto, ON M5H 0B6
- LinkedIn: www.linkedin.com/company/interad-media-design-corp/
4. Market Pay
Market Pay's Tap to Pay product turns a compatible device into a payment terminal without dedicated hardware, and its NFC Mobile Payment offering is aimed at banks and other financial institutions.
Its portfolio also covers in-person, online and unattended payments plus the MarketPay Hub, and it lists PCI, ISO 27001, Carte Bancaire, Visa and Mastercard accreditations. REMA 1000 is named as an in-store payments partner. It suits retailers and issuers that want ready contactless acceptance or NFC payment technology instead of a ground-up build.
Key Facts
- Best for: Retailers and banks needing ready contactless payment technology
- Core services: Tap to Pay, NFC mobile payment, in-person and online payments
- Specialization: SoftPOS acceptance and NFC mobile payments in Europe
- Founded: 2016
- Team size: 201–500 employees
Contact Information
- Website: market-pay.com
- LinkedIn: www.linkedin.com/company/market-pay
5. Softjourn
Softjourn engineers payment products for financial technology companies and businesses that need to connect digital and physical transactions. Its payment processing work includes card technology, EMV, contactless payments, and digital wallets. The company also develops solutions for digital card issuance and push provisioning, which are relevant when payment cards need to become available in mobile wallets.
Those capabilities support projects in which secure card credentials, wallet enrollment, and acceptance infrastructure must work together. Softjourn also serves ticketing and event technology businesses, giving it experience with transaction-heavy environments where customers expect quick checkout and dependable processing.
Key Facts
- Best for: Card payment software and wallet provisioning projects
- Core services: Payment software engineering, digital issuance, system integration
- Payment capabilities: Contactless cards, EMV, digital wallets
- Industries: Payments, fintech, ticketing
- Headquarters: Fremont, CA, USA
- Founded: 2001
- Team size: 201–500 employees
Contact Information
- Website: softjourn.com
- Phone: +1.510.744.1528
- Address: 39270 Paseo Padre Pkwy, Suite 251, Fremont, CA 94538
- LinkedIn: www.linkedin.com/company/softjourn-inc
- Instagram: www.instagram.com/softjourn
- Facebook: www.facebook.com/Softjourn
- Twitter: x.com/Softjourn
6. DashDevs
DashDevs builds fintech products and offers e-wallet development for companies launching digital financial services. Its wallet capabilities include NFC Tap to Pay, card features, network tokenization, identity verification, and payment integrations. The team also works with payment gateways and card issuing services, making it relevant for financial products that combine wallet experiences with embedded payment functions.
DashDevs approaches these projects through product engineering as well as financial infrastructure integration. Its Fintech Core platform and custom development services suit businesses designing mobile-first payment products that need to connect compliance, banking partners, and customer transactions.
Key Facts
- Best for: Mobile-first fintech and digital wallet products
- Core services: E-wallet development, card issuing integration, payment gateways
- Payment capabilities: NFC Tap to Pay, network tokenization
- Markets: UK, US, Europe, MENA
- Headquarters: Wilmington, DE, USA
- Founded: 2011
- Team size: 51–200 employees
Contact Information
- Website: dashdevs.com
- Email: moc.svedhsad@ofni
- Address: 1007 North Orange Street, 4th Floor, Wilmington, DE 19801
- LinkedIn: www.linkedin.com/company/dashdevs
- Facebook: www.facebook.com/dashdevs
- Twitter: x.com/dashdevs
7. Andersen
Andersen delivers software engineering for financial services, including digital payments and fintech applications. Its payment development offering addresses contactless payment software, NFC and RFID technology, QR transactions, and integrations with mobile payment services. The company also provides broader web, mobile, testing, and architecture services needed to build transaction features into business platforms.
The company's scope is suited to organizations commissioning a custom payment solution rather than adopting a single ready-made checkout tool. Retail or fintech teams can combine payment interfaces with related user accounts, back-office operations, and product maintenance under a wider software development engagement.
Key Facts
- Best for: Custom fintech applications and payment integrations
- Core services: Fintech software development, web and mobile engineering
- Payment capabilities: NFC, RFID, QR and contactless software
- Industries: Finance, fintech
- Headquarters: Warsaw, Poland
- Founded: 2007
- Team size: 1,001–5,000 employees
Contact Information
- Website: andersenlab.com
- Email: moc.balnesredna@tcatnoc
- Phone: +48 22 390 64 08
- Address: 1 Rondo Daszyńskiego, 23rd floor, Warsaw, 00-843, Poland
- LinkedIn: www.linkedin.com/company/andersen-lab
- Instagram: www.instagram.com/andersen.global
- Facebook: www.facebook.com/AndersenSoftwareDev
- Twitter: x.com/AndersenLabs
8. Intellias
Intellias develops and modernizes digital payment systems for banks and fintech organizations. Its payments practice includes payment architecture, platform modernization, banking integrations, and mobile applications. The company has also described a zero-click payment prototype that used automatic number plate recognition for transactions in settings such as fuel stations and drive-through services.
Alongside contactless experiences, Intellias works on the difficult systems behind them, including real-time transaction processing and integration with existing financial infrastructure. Its payments portfolio includes an omnichannel gateway and large-scale modernization projects, making it relevant for businesses updating established platforms as well as building new customer experiences.
Key Facts
- Best for: Payment platform modernization and custom contactless experiences
- Core services: Payment engineering, mobile banking, system integration
- Payment capabilities: Mobile payment applications, zero-click payment concepts
- Industries: Banking, fintech, financial services
- Founded: 2002
- Team size: 1,001–5,000 employees
Contact Information
- Website: intellias.com
- Email: moc.sailletni@ofni
- Phone: +1 857 444 0442
- Address: 500 West Madison Street, Suite 1000, Chicago, IL 60661
- LinkedIn: www.linkedin.com/company/intellias
- Instagram: www.instagram.com/intellias_global
- Facebook: www.facebook.com/Intellias.GlobalPage
9. Innowise
Innowise builds software for the banking and financial technology sectors, including mobile applications that support NFC, QR payments, and digital wallets. Its financial services work extends to digital banking, payment workflows, and integrations that connect customer apps with processing systems. The company also develops retail and e-commerce software, including point-of-sale applications.
For buyers, the appeal is having contactless payment functions developed alongside the rest of a commercial or banking product. Innowise provides mobile engineering, backend development, testing, and modernization services, which can be combined when a payment experience must operate across several connected systems.
Key Facts
- Best for: Custom mobile banking and retail payment applications
- Core services: Fintech engineering, mobile development, system integration
- Payment capabilities: NFC, QR and digital wallet features
- Industries: Banking, finance, retail
- Headquarters: Warsaw, Poland
- Founded: 2007
- Team size: 1,001–5,000 employees
Contact Information
- Website: innowise.com
- Email: moc.esiwonni@tcatnoc
- Phone: +48 (787) 027 706
- Address: Rondo Daszyńskiego 2B, The Warsaw HUB B
- LinkedIn: www.linkedin.com/company/innowise-group
- Twitter: x.com/innowisegroup
10. ScienceSoft
ScienceSoft provides payment software consulting and development for financial technology organizations. Its portfolio includes a contactless mobile wallet project designed for a large user base, as well as payment systems, financial applications, and integration services. The company's work connects customer payment interfaces with the backend functions needed for processing and secure transaction handling.
ScienceSoft is a useful reference for companies that require both software implementation and technical planning. Its payment work spans new applications and modernization, while its broader security and quality engineering services support the testing and protection requirements around financial data and payment transactions.
Key Facts
- Best for: Custom contactless wallet and payment software
- Core services: Payment development, IT consulting, integration, testing
- Payment experience: Contactless mobile wallet project
- Industries: Financial services, fintech
- Headquarters: McKinney, TX, USA
- Founded: 1989
- Team size: 501–1,000 employees
Contact Information
- Website: www.scnsoft.com
- Email: moc.tfosncs@ue
- Phone: +371 66 011 905
- Address: Terbatas iela 14-3 Riga, LV-1011
- LinkedIn: www.linkedin.com/company/sciencesoft
- Facebook: www.facebook.com/sciencesoft.solutions
- Twitter: x.com/ScienceSoft
11. Itransition
Itransition engineers banking and financial services software, with mobile banking capabilities that include NFC, wallet functions, and QR-based payments. Its services cover product design, application development, system modernization, and integrations with the systems used by financial institutions. These offerings address both the customer interface and the transaction workflows behind mobile payment services.
For established organizations, contactless transactions often need to coexist with older banking systems. Itransition's combination of banking software development and modernization work is relevant when a new mobile wallet or payment feature must fit into existing architecture without creating disconnected processes.
Key Facts
- Best for: Banking applications with contactless features
- Core services: Mobile banking, software engineering, modernization
- Payment capabilities: NFC, mobile wallets, QR transactions
- Industries: Banking, financial services
- Founded: 1998
- Team size: 1,001–5,000 employees
Contact Information
- Website: www.itransition.com
- Email: moc.noitisnarti@ofni
- Phone: +1 720 207 2820
- Address: 160 Clairemont Ave, Suite 200, Decatur, GA 30030
- LinkedIn: www.linkedin.com/company/itransition
- Facebook: www.facebook.com/Itransition
- Twitter: x.com/itransition
12. N-iX
N-iX develops software for banking, finance, and payment businesses, including digital payment applications and contactless experiences. Its financial software services address mobile banking, integration, data platforms, and modernization. The company has highlighted payment capabilities in its banking work, making it relevant to teams planning digital wallet and contactless transaction features.
The company also brings cloud and engineering services to the wider payment stack. That range is useful when an institution needs to modernize technology alongside adding new customer features. For payment businesses working across channels, backend resilience and integrations are as important as the visible transaction flow.
Key Facts
- Best for: Banking platform engineering and contactless payment features
- Core services: Financial software development, cloud engineering, modernization
- Payment capabilities: Mobile banking and contactless transactions
- Industries: Banking, fintech, financial services
- Headquarters: Valletta, Malta
- Founded: 2002
- Team size: 1,001–5,000 employees
Contact Information
- Website: www.n-ix.com
- Email: moc.xi-n@tcatnoc
- Phone: +442037407669
- Address: London EC3A 7BA, 6 Bevis Marks
- LinkedIn: www.linkedin.com/company/n-ix
- Facebook: www.facebook.com/N.iX.Company
- Twitter: x.com/N_iX_Global
13. Miquido
Miquido develops mobile products for fintech and commerce companies, combining application engineering with digital product design. Its fintech content and delivery capabilities cover mobile financial experiences, payment integration, and wallet-related use cases. The company also works on retail and e-commerce apps, where convenient mobile checkout is an important part of the customer journey.
Miquido's position in contactless payments is the design and implementation of customer-facing applications that use modern payment methods. Its broader mobile engineering and user experience work fits organizations treating payment as one part of a financial or commercial app rather than as a standalone processing platform.
Key Facts
- Best for: Payment-enabled mobile applications and fintech product design
- Core services: Mobile engineering, UI/UX design, fintech software development
- Payment context: Wallet and checkout integrations
- Industries: Fintech, retail, e-commerce
- Headquarters: Krakow, Poland
- Founded: 2011
- Team size: 201–500 employees
Contact Information
- Website: miquido.com
- Email: moc.odiuqim@olleh
- Phone: +48 536 083 559
- Address: Zabłocie 43a 30-701 Kraków
- LinkedIn: www.linkedin.com/company/miquido
- Instagram: www.instagram.com/miquido
- Facebook: www.facebook.com/miquido
- Twitter: x.com/miquido
14. A-listware
A-listware provides software development teams and related engineering services, including application development, quality assurance, and technology support. Its outsourcing model allows businesses to add technical capacity for projects that depend on reliable integrations and ongoing product maintenance.
For contactless payment software, dedicated developers and testers can contribute to payment-enabled mobile apps, checkout interfaces, merchant software, and integration testing. Those are important parts of the customer journey even when the NFC acceptance, acquiring, and settlement functions are supplied by a separate payments provider. A-listware suits organizations looking to expand their engineering delivery team around a digital commerce initiative.
Key Facts
- Best for: Scaling software engineering teams for commerce products
- Core services: IT outsourcing, software development, QA and testing
- Specialization: Dedicated engineering resources and application maintenance
- Headquarters: London, UK
Contact Information
- Website: a-listware.com
- Email: moc.erawtsil-a@ofni
- Facebook: www.facebook.com/alistware
- LinkedIn: www.linkedin.com/company/a-listware
- Address: St. Leonards-On-Sea, TN37 7TA, UK
- Phone: +44 (0)142 439 01 40
15. OSKI Solutions
OSKI Solutions builds tailored financial and business software, with services spanning web and mobile development, integration, cloud engineering, and software maintenance. Its fintech offering specifically covers custom financial platforms and links with payment, accounting, and banking systems.
That makes OSKI relevant to the software surrounding a contactless payment flow: customer and merchant applications, API connections, automated transaction handling, and back-office visibility. A financial services team planning a branded wallet or a business planning to integrate contactless acceptance into existing operations can use this development approach to align the application with established payment infrastructure and internal processes.
Key Facts
- Best for: Custom financial applications and payment integrations
- Core services: Fintech development, API integration, cloud and mobile software
- Specialization: Tailored payment and financial workflow systems
- Headquarters: Tallinn, Estonia
- Team size: 51–200 employees
Contact Information
- Website: oski.site
- Email: etis.ikso@tcatnoc
- LinkedIn: www.linkedin.com/company/oski-solutions
Comparison Table
| Company | Best for | Headquarters | Founded | Team size |
| Itexus | Custom wallet products and payment software engineering | Dover, DE, USA | 2013 | 150+ engineers |
| MYPINPAD | Acquirers and PSPs launching branded SoftPOS apps | Cardiff, UK | 2012 | — |
| Interad | Banks building custom mobile wallet and tap-to-pay apps | Toronto, Canada | 1995 | — |
| Market Pay | Retailers and banks needing ready contactless payment technology | — | 2016 | 201–500 employees |
| Softjourn | Card payment software and wallet provisioning projects | Fremont, CA, USA | 2001 | 201–500 employees |
| DashDevs | Mobile-first fintech and digital wallet products | Wilmington, DE, USA | 2011 | 51–200 employees |
| Andersen | Custom fintech applications and payment integrations | Warsaw, Poland | 2007 | 1,001–5,000 employees |
| Intellias | Payment platform modernization and custom contactless experiences | — | 2002 | 1,001–5,000 employees |
| Innowise | Custom mobile banking and retail payment applications | Warsaw, Poland | 2007 | 1,001–5,000 employees |
| ScienceSoft | Custom contactless wallet and payment software | McKinney, TX, USA | 1989 | 501–1,000 employees |
| Itransition | Banking applications with contactless features | — | 1998 | 1,001–5,000 employees |
| N-iX | Banking platform engineering and contactless payment features | Valletta, Malta | 2002 | 1,001–5,000 employees |
| Miquido | Payment-enabled mobile applications and fintech product design | Krakow, Poland | 2011 | 201–500 employees |
| A-listware | Scaling software engineering teams for commerce products | London, UK | — | — |
| OSKI Solutions | Custom financial applications and payment integrations | Tallinn, Estonia | — | 51–200 employees |
How to Choose a Contactless Payment Development Company
Most contactless projects sit on top of a licensed processor, issuer platform or wallet SDK, so the vendor you pick is mainly responsible for integration quality, device coverage and security around card data. The checks below help you separate teams that have shipped tap-to-pay products from teams that have only built checkout screens.
Shipped NFC and wallet work. Ask for live apps that use Host Card Emulation on Android, Apple Pay or Google Pay provisioning, or SoftPOS acceptance. Request the store links and the processor each one runs on. A team that has only integrated hosted checkout pages will underestimate certification steps, device entitlements from Apple, and the testing needed across phone models and terminal firmware.
Experience with your provider. Check whether the team has already integrated the processor or issuing platform you plan to use, such as Stripe Terminal, Adyen or Marqeta. Ask which APIs they used, how they handled webhooks and idempotency, and how long sandbox-to-production approval took. Prior work on the same stack shortens delivery and avoids surprises in tokenization and dispute flows.
PCI scope and tokenization. Ask how the proposed architecture keeps raw card numbers out of your systems. Good answers mention network tokens or processor vaults, PCI DSS scope reduction, and for SoftPOS the relevant PCI MPoC requirements. Be cautious if a vendor plans to store PANs in your database or cannot explain who holds which compliance responsibility.
Device and market coverage. List the phones, terminals, card schemes and countries you need, then ask the vendor to confirm support for each. Tap-to-pay on iPhone, Android HCE and QR schemes have different regional availability and entitlement rules. A clear compatibility matrix and a device testing plan are better evidence than a general promise of cross-platform support.
Fraud and failure handling. Ask what happens when a tap fails, the network drops mid-transaction or a token is suspended. Look for offline handling rules, retry logic that avoids double charges, velocity limits and clear receipts. A vendor should describe how transaction states are reconciled with the processor so finance teams do not chase mismatched records.
Support after launch. Wallet SDKs, OS versions and scheme rules change every year. Ask who monitors deprecation notices, how quickly the team ships updates after a new iOS or Android release, and what the support agreement covers. A fixed-price build with no maintenance plan often leaves you with a payment feature that breaks quietly.
Conclusion
Contactless payments increasingly depend on the interplay between devices, card credentials, software, and payment networks. A merchant accepting NFC transactions needs different capabilities from a fintech issuing cards for mobile wallets or a business building its own payment application. Integration options and support for relevant devices and markets deserve close attention, as do fraud controls, tokenization, and ongoing maintenance. For software-led projects, a clear division of responsibilities between development teams and licensed payment providers helps keep the implementation manageable. The result is a payment experience that can evolve with customer habits without forcing the business to rebuild every supporting system.
Frequently Asked Questions
How much does contactless payment app development cost?
Cost depends mostly on scope rather than the tap itself. Adding a wallet button or tap-to-pay acceptance through an existing processor SDK is typically a modest project, while a custom wallet with card provisioning, issuer integration and fraud controls costs considerably more. The main drivers are the number of platforms, certification work, backend reconciliation, security reviews and how many payment providers you connect.
How long does it take to build a tap-to-pay feature?
A focused integration on one platform with a ready processor SDK often takes a few months, including testing and store review. Timelines grow when you need issuer approval, Apple entitlements, SoftPOS certification or support for several markets. Third-party approvals are usually the slowest part, so start provider onboarding and compliance paperwork alongside development rather than after it.
Should we build our own payment processing or use a provider?
Most businesses should use a licensed processor or issuing platform and build the customer experience on top. Running your own processing means acquiring licenses, scheme memberships and full PCI DSS compliance, which only makes sense at large scale. A development partner adds value by integrating providers well, handling edge cases and owning the app and backend logic.
What compliance applies to contactless payment software?
PCI DSS applies to any system that stores, processes or transmits card data, and SoftPOS solutions also fall under PCI MPoC or earlier CPoC standards. Card scheme rules, strong customer authentication under PSD2 in Europe, and local data protection laws may apply as well. Tokenization through your processor usually reduces the scope your own team must audit.
What should we prepare before contacting a vendor?
Decide which payment provider you intend to use, the platforms and devices you must support, and the countries where you will operate. Describe the payment flows, such as in-store acceptance, wallet provisioning or peer payments, plus expected volumes. Having your processor account or sandbox access ready lets the vendor give a realistic estimate instead of a broad range.