# Overview (/)





Whichever channel your merchants accept payments on, they are onboarded, settled, invoiced, and supported through the same **Tapaya Platform** and **Tapaya API**. A merchant that takes payments both in store and online onboards once and gets paid through one account.

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## How it works [#how-it-works]

One Tapaya Platform handles merchants, settlement, and reporting behind every channel. [In-Store Acceptance](/in-store) turns the Android phones and tablets your merchants already use into payment terminals, and [Online Payments](/online) takes their payments on the web. The same setup covers very different moments:

* **Payments in your shop:** staff take contactless cards and wallets at the counter, with no separate terminal to rent.
* **QR payments at the table:** guests scan a QR code for the bill and pay on their own phone, without waiting for a terminal.
* **Tokenized payment at the EV charger:** the driver taps a card once to start charging, and the energy used is charged when the session ends.
* **Payments in your e-shop:** the same merchants take cards, Apple Pay, and Google Pay online with [Online Payments](/online).

## Tapaya API [#tapaya-api]

The **Tapaya API** offers a comprehensive suite of RESTful endpoints to manage your payment ecosystem programmatically.

**Capabilities:**

* **Authentication:** Securely authenticate merchants for SDK usage.
* **Transaction Management:** List history, perform reversals, and query status.
* **Data Insights:** Access aggregated statistics and financial reports.

The API is flexible and can be consumed by both your backend servers and mobile applications to suit your architectural needs. See [Platform API](/platform-api) for environments, authentication, merchant onboarding, and reporting.

## Tapaya Platform [#tapaya-platform]

The **Tapaya Platform** is your command center. It provides a user-friendly web interface to manage the entire lifecycle of your payment solution.

**Dashboard Highlights:**

* **SDK Management:** Customize UI elements and download the latest libraries.
* **Financial Overview:** View transaction histories and perform reversals.
* **Analytics:** Visualize aggregated statistics and financial data.
* **Accounting:** Export tax reports compatible with major accounting software.

<Callout title="Need Custom Views?" type="tip">
  All data visible on the platform is accessible via the **Tapaya API**, allowing you to build custom dashboards tailored to your specific requirements.
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## In this section [#in-this-section]

<Cards>
  <Card title="Merchants" href="/merchants/onboarding" description="Onboarding, responsibilities, chargebacks and merchant education." />

  <Card title="Financial Guide" href="/financial-guide/merchant-payouts" description="Settlement, payouts, fees and invoicing across every market." />

  <Card title="Compliance" href="/compliance/data_protection_and_privacy" description="Cardholder data, PCI DSS scope and GDPR obligations." />

  <Card title="Support" href="/support/contacts" description="Reaching the Tapaya team and following service status." />
</Cards>