Turn your Android into a card terminal. Send money to friends. Get paid instantly. No hardware, no monthly fees, no surprises.
3.2% + $0.10 per transaction · No monthly fees · No contracts
Android 8.0+ with NFC · Powered by Stripe · Free to download
iOS coming soon
KovaPay brings together payment processing, money transfers, and social payments — all in one clean, fast app.
Turn your Android into a full card terminal. Accept Visa, Mastercard, Apple Pay, Google Pay — any NFC card. Zero hardware required.
Choose how you get paid. Daily payouts to your bank are free. Need money now? Instant payout to your debit card in under 30 minutes for a small fee.
Send money instantly to any KovaPay member by @handle or QR code. Request a payment with a note — they pay with one tap.
Chat with anyone on KovaPay. Discuss a transaction, settle a tab, or just talk. Real-time messenger built right into the app.
See your real Stripe balance, every transaction, and payout history in real time. Full reporting always at your fingertips.
Identity verified by Stripe. PCI DSS compliant. Biometric login and PIN protection. We never store your card numbers.
No waiting for hardware. No approval delays. Start accepting payments the same day.
Enter your info, choose your @handle, and set up your KovaPay login in about 2 minutes.
Required by banking law. Verified securely by Stripe — no paperwork, no waiting, just a few taps.
Link your bank account and debit card to receive payouts. Standard or instant — your choice every time.
Enter an amount, tap Charge, customer taps their card. Done. Funds land in your account same day.
One flat rate. Everything included. No hardware to buy, no monthly fees, no contracts.
That’s it. No monthly fees, no contracts, no setup costs.
Everything included from day one.
| Feature | ⚡ KovaPay | Square | Cash App | Toast |
|---|---|---|---|---|
| Hardware required | None — ever | $49–$299 reader | N/A | $627+ terminal |
| Monthly fee | $0 | $0–$60+ | $0 | $69–$165 |
| Setup time | Minutes | Days (hardware) | Minutes | Weeks |
| Tap to Pay | ✓ Any Android | Square hardware only | No | No |
| Instant payout | ✓ Under 30min | Extra fee | No | No |
| P2P transfers | ✓ Built-in | No | ✓ | No |
| Messaging & friends | ✓ Built-in | No | No | No |
| POS integration | ✓ KovaPOS (soon) | ✓ | No | ✓ |
| iOS app | 🍎 Coming soon | ✓ | ✓ | ✓ |
KovaPOS and KovaPay are two powerful apps built from day one to work seamlessly together — the first POS and payments system designed as a unified experience. Manage your menu, track inventory, run your whole business, and take payments without switching platforms or stitching together third-party tools.
Restaurant, bar, retail, salon, food truck — KovaPOS adapts to your business type with tailored layouts and workflows right out of the box.
Your menu, recipes, customer info, and sales history live on your hardware — not ours. Unlike Square or Toast, we don’t hold your business data hostage in the cloud. Grandma’s recipes stay a secret.
Connect KovaPOS to Shopify, WooCommerce, Etsy, Amazon, Walmart, and more. Sync inventory and orders between your physical and online stores automatically — sell everywhere from one place.
Live sales dashboards, best-selling items, staff performance, and hourly revenue trends. Know exactly how your business is doing at any moment.
Your KovaPay merchant account works directly with KovaPOS — no re-enrolling, no duplicate setup, no starting over. Start taking mobile payments today and plug right into a full counter POS when you’re ready.
KovaPOS keeps running even without internet. Keep taking orders, printing receipts, and managing your floor — everything syncs automatically when you reconnect.
Download KovaPay for free. No hardware needed, no monthly fees, no contracts. Just tap, charge, and get paid.
Android 8.0+ · NFC required · Powered by Stripe · TNZ Productions LLC
Like Cash App meets
Square — for everyone.
KovaPay gives you the social payments of Cash App and Venmo — send money, request payments, chat with friends — plus the merchant payment power of Square. One app for businesses and people alike.
Friends & Connections
Add friends, build your network, and transact with people you trust. Block or restrict anyone in one tap.
Messenger-Style Chat
Full real-time chat with message grouping and read receipts. Talk first, then pay — all in the same thread.
Smart Notifications
Friend requests, payment requests, and messages — all organized in one clean notification center.
Personal Profile
Upload a photo, set your @handle, and share your QR code. People can find and pay you in seconds.