Responsibilities

Understand the division of responsibilities between Tapaya, your platform, and your merchants.

Whether your merchants accept payments in store or online, it is important to understand who is responsible for what. The ecosystem involves three main parties: Tapaya (the infrastructure provider), You (the Platform/Integrator), and the Merchant (the end-user collecting payments).

The following table outlines the core responsibilities:

Requirement	Tapaya	You	Merchant
Education	Tapaya owns this	You owns this	Not Merchant
Engagement	Not Tapaya	You owns this	Not Merchant
Collecting payments	Not Tapaya	Not You	Merchant owns this
Settlement	Tapaya owns this	Not You	Not Merchant
Invoicing	Tapaya owns this	Not You	Not Merchant
Resolving Disputes	Tapaya owns this	Not You	Merchant owns this

Detailed Breakdown

Education

Tapaya: Provides technical documentation, API references, and compliance guidelines.
You: Translate these technical requirements into user-friendly guides for your merchants.
Merchant: Consumes the materials to operate their payment solution effectively.

Engagement

You: As the platform, you are the face of the service. You handle marketing, onboarding, and first-line support. Tapaya operates in the background to power the payments.

Collecting Payments

Merchant: Interacts directly with the cardholder. They are responsible for initiating the transaction, on the device in store or through checkout online, and ensuring the customer completes the payment flow.

Settlement

Tapaya: Automatically processes the movement of funds. We settle earnings to your platform or connected accounts according to the payout schedule.

Invoicing

Tapaya: Generates invoices for processing fees and other service charges.

Resolving Disputes

Tapaya: Notifies you of any disputes (chargebacks) and provides the dashboard or API to manage them.
Merchant: Must provide compelling evidence (e.g., receipts, proof of service) to contest the dispute.