KovaPay turns any Android phone into a full payment terminal using NFC tap-to-pay — no card reader, no hardware, no Square, no Stripe Terminal. Accept Visa, Mastercard, Amex, Google Pay, and Apple Pay. Send money to anyone by @handle. Get paid out instantly to your debit card. Built for small business owners, freelancers, food trucks, and anyone who needs to get paid without expensive hardware. Free to download. 3.2% + $0.10 per transaction. No monthly fees. No hidden charges.
It started with a hot dog stand.
I wanted to sell hot dogs at a local barter faire in Washington State, so I ordered a touchscreen POS system off Amazon. When it arrived, the software was so bad I couldn't believe anyone was actually selling it. That's when it hit me — I could build something better.
So I did. I started building Kova POS(coming soon), a full point-of-sale system from scratch. Halfway through I realized that card processing wasn't just a feature — but a really big part of the product i wanted to make. Merchants needed a way to accept payments without buying expensive hardware or paying Square's monthly fees. But most importantly your data is your own, unlike square, toast or clover. I wanted to make sure that grandma's recipe stays a secret.
That's how KovaPay was born. I built it as the payment engine for Kova POS, then realized it could stand completely on its own. Any Android phone, any merchant, zero hardware. Just tap and pay.
Report
No reviews yetBe the first to leave a review for KovaPay