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Tpay

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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: not determined

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by Krajowy Integrator Płatności sp. z o.o. (tpay) · tpay.com

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Tpay at a glance

Vendor
Krajowy Integrator Płatności sp. z o.o. (tpay)
Headquarters
Not stated on the vendor’s pages as of 20 Oct 2026
Data hosting
Not stated on the vendor’s pages as of 20 Oct 2026
Free plan
Not stated on the vendor’s pages as of 20 Oct 2026
Panel verdict
The AI panel rates Tpay 0.5/5, the mean of 6 judges. Tpay is a payment service from Krajowy Integrator Płatności S.A., seated in Poznań, which contracts with merchants and is named as data controller; card acceptance for Apple Pay runs through the acquirer Elavon. how scores are made
As of
Vendor pages captured 20 Oct 2026; evaluated by the panel 21 Oct 2026. all sources

Tpay alternatives, European ones first →

Read this page as one judge. Each weighs the same scores by what they care about.

The panel's verdict

Tpay is a payment service from Krajowy Integrator Płatności S.A., seated in Poznań, which contracts with merchants and is named as data controller; card acceptance for Apple Pay runs through the acquirer Elavon. The bench scores it highest on sovereignty, at 2-3, and licence and account terms, at 1-2, where the named Polish entity, onboarding that requires a verification form, an activation fee and acceptance of the general terms, and an account ready to accept payments within 24 hours carry the weight. It is weakest on recurring billing, the only criterion scored 0, with no public information on stored credentials, mandates, retries or dunning; settlement and reconciliation sits at 1, supported only by a transaction panel, free plugins and an API. Checkout and payment methods run 1-2: on-site payments, a 'smart checkout' and Apple Pay with credit and debit cards from banks worldwide are described, while 3-D Secure, SCA exemptions and per-country method coverage are not. Pricing shows structure only: free account, activation fee of unstated amount, volume packages. No criterion varies by more than a point.

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Speaks for it

  • Named Polish contracting party and data controller — Krajowy Integrator Płatności S.A. with seat in Poznań — underpins the bench's highest scores, 2-3 on sovereignty.
  • Account stated ready to accept payments within 24 hours, after a verification form, an activation fee and acceptance of the general terms.
  • Free shop plugins and a free API, with WooCommerce, PrestaShop, Shopify, Magento, Shoper and Selly named as platforms.
  • Apple Pay acceptance documented for credit and debit cards from banks worldwide, with card acquiring through Elavon.
  • On-site payments that eliminate redirects and a 'smart checkout' to limit cart abandonment drew the top checkout score of 2 from the e-commerce lead.

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Held against it

  • Recurring billing is the only criterion scored 0, with no public information on stored cards, merchant-initiated transactions, SEPA mandates, retries or dunning.
  • Settlement and reconciliation scores sit at 1 with no spread, and no public information on payout schedule, fee breakdowns, webhooks or reports linking payouts to transactions.
  • Checkout and SCA scores run 1-2, with no public information on 3-D Secure, SCA exemptions, fraud screening or PCI scope.
  • No licence, supervisor or register number is published, and chargeback fees, reserves and termination conditions do not appear on the captured pages.
  • No public information on where payment and cardholder data are processed or stored, and no subprocessor list — the Polish controller and Elavon as acquirer are the only named parties.

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Best for

  • You run a one-off-purchase online shop and want fast setup — the vendor states an account ready to accept payments within 24 hours, with free plugins for WooCommerce, PrestaShop, Shopify, Magento, Shoper and Selly.
  • You want a named Polish entity seated in Poznań as contracting party and data controller — sovereignty is the only criterion where the bench reached 3.
  • Your checkout runs mainly on Apple Pay with credit and debit cards, whose acceptance is documented down to acquirer Elavon.

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Avoid if

  • Your business charges customers on a recurring basis — ask the vendor: the public pages we read do not show it
  • Your finance team must close months on payout and reconciliation data before signing — settlement and reconciliation scored 1, with only an on-screen transaction panel shown.
  • You must document 3-D Secure, SCA exemption or PCI scope for compliance sign-off in advance — checkout and SCA scored 1-2 with no public detail on these.
  • You need to plan acceptance per method, country and currency across markets — payment methods scored 1-2, and Apple Pay is the only method named.

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The scores

Panel median The median of the judges’ scores per criterion. Each label opens its reasoning below.
Scores per criterion, in stars out of 5
Criterion Panel median
Payment methods & local coverage 1 of 5
Checkout, SCA & fraud 0.5 of 5
Subscriptions & recurring payments 0 of 5
Settlement, reconciliation & API 0.5 of 5
Licence, risk & account terms 1 of 5
European sovereignty 1.5 of 5

Payment methods & local coverage

Show reasoning
How this is scored

Which methods a European customer can actually pay with — cards and wallets, SEPA Direct Debit, and the local methods that decide conversion per country — judged on the named list per market rather than on a method count.

0 — Cards only, or a method list with no statement of which countries and currencies each one covers.

3 — Major cards and wallets plus one or two European methods, with local coverage stated vaguely ("many local methods") and no SEPA Direct Debit.

5 — Cards, Apple Pay and Google Pay, SEPA Direct Debit, and the main local methods for DACH and Benelux (iDEAL or Wero, Bancontact, Klarna or invoice) listed by name with the countries they serve.

8 — Broad EU coverage named per country — including methods such as BLIK, TWINT, Przelewy24, EPS and Wero — multi-currency acceptance with settlement currencies stated, and which methods support refunds and recurring charges documented per method.

10 — Coverage is documented as a matrix a merchant can plan against: every method with its countries, currencies, refund, partial-capture and recurring support, and the provider's own acquiring versus third-party routing stated per method.

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The Finance Lead

The captured pages name Apple Pay with credit and debit cards worldwide, card acquiring through Elavon, and a home page that speaks only of "all payment methods" for e-commerce, apps and stationary shops without naming them. We found no public information on SEPA Direct Debit, the local methods per country, or which countries and currencies each method covers, so a merchant outside Poland cannot plan acceptance from what is published. 1 2

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The E-Commerce Lead

The captured pages name Apple Pay — usable with credit and debit cards from banks worldwide — and speak of "all payment methods for e-commerce", but I cannot see a list of which methods serve which countries or currencies. For my eight EU markets I found no public information naming iDEAL, Bancontact, SEPA Direct Debit, BLIK or any market-specific method with its coverage, so I cannot plan per-country conversion on this. 1 2

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The SaaS Founder

Apple Pay is documented with its card types and a named acquirer, and the homepage promises 'all payment methods' for e-commerce without naming them or the countries and currencies each covers. We found no public information on SEPA Direct Debit or any local method beyond wallets, so I cannot plan market entry from what is public. 1 2

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The Payments Engineer

Apple Pay is documented down to its card scope and issuer reach, but the rest of the method story is a single marketing line about "all payment methods" for e-commerce, apps and stationary shops, with no named methods, countries or currencies per market. I found no public information on SEPA Direct Debit or any named local method I could plan an integration against. 1 2

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The Compliance Officer

The captured pages name one wallet, Apple Pay, with credit and debit cards from banks worldwide and card acquiring through Elavon, alongside a general claim of "all payment methods". We found no public information naming SEPA Direct Debit or any local method, or stating which countries and currencies each method covers. 1 2

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The Skeptic

The captured pages promise 'all payment methods' for e-commerce, apps and stationary shops but name only Apple Pay, with cards issued by banks worldwide as its stated scope — no SEPA Direct Debit, no per-country local methods, no multi-currency statement. We found no public information on which countries and currencies each method covers, or on refund and recurring support per method. 1 2

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Checkout, SCA & fraud

Show reasoning
How this is scored

The path from basket to authorised payment under PSD2: hosted and embedded checkout options, 3-D Secure and SCA exemption handling, fraud screening, and what the provider documents about keeping legitimate payments from failing.

0 — A single redirect page with no statement on 3-D Secure, SCA or fraud screening.

3 — Hosted checkout with 3-D Secure 2 mentioned, fraud screening as an unexplained add-on, and no word on exemptions or declined-payment handling.

5 — Hosted and embedded checkout options, 3-D Secure 2 with SCA handled by the provider, configurable fraud rules, and the resulting PCI DSS scope for each integration type stated.

8 — SCA exemptions (low value, transaction risk analysis, merchant-initiated) applied and documented, fraud tooling with rules and risk scores exposed to the merchant, network tokens or account updater, and liability shift explained per flow.

10 — Authorisation is engineered and shown: exemption strategy documented, soft-decline retry handled, authorisation-rate reporting by method and issuer country, and a checkout the merchant can run in their own domain while staying at the lowest PCI scope.

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The Finance Lead

On-site payments with a smart checkout to reduce redirects are stated, and Apple Pay's device number and unique transaction code are described as the security story. We found no public information on 3-D Secure, SCA exemption handling, fraud screening or PCI scope, so I cannot tell whether legitimate payments are protected or simply lost at the authorisation step. 1 2

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The E-Commerce Lead

On-site payments that cut redirects, a "smart checkout" against cart abandonment, and free plugins plus an API speak directly to my conversion priorities. But we found no public information on 3-D Secure, SCA exemptions, fraud screening or PCI scope, so I cannot judge whether legitimate payments survive the challenge flow. 1

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The SaaS Founder

On-site payments with a 'smart checkout' to limit cart abandonment is the whole public story; we found no public information on 3-D Secure, SCA exemption handling, fraud screening, or PCI scope per integration. In subscriptions every false decline is a churn nobody chose, and this record gives me nothing to judge that risk on. 1 2

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The Payments Engineer

The captured pages point at on-site payments and a smart checkout claimed to reduce cart abandonment, but I found no public information on 3-D Secure, SCA exemption handling or fraud screening. As an integrator I cannot tell from this how a legitimate payment survives PSD2, which is the whole point of the checkout path. 1

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The Compliance Officer

On-site payments with a "smart checkout" to reduce cart abandonment are described, as is Apple Pay's device-number tokenisation. We found no public information on 3-D Secure, SCA exemption handling, fraud screening, or the PCI DSS scope of any integration type. 1 2

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The Skeptic

The homepage advertises on-site payments and a smart checkout to reduce cart abandonment, but we found no public information on 3-D Secure, SCA exemptions, fraud screening or the PCI DSS scope of any integration. The only security statement on the captured pages describes Apple Pay's device-number and one-time-code mechanism, which evidences nothing about the vendor's own checkout risk handling. 1 2

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Subscriptions & recurring payments

Show reasoning
How this is scored

Charging the same customer again: card-on-file and merchant-initiated transactions, SEPA mandates, subscription logic and dunning — and whether the stored payment credentials can leave with the merchant.

0 — No stored payment methods; every charge needs the customer to pay again.

3 — Card-on-file tokens for repeat charges, but no SEPA mandate handling, no subscription logic, and failed-payment handling left entirely to the merchant.

5 — Stored cards and SEPA Direct Debit mandates, merchant-initiated transactions documented, and basic subscription plans with scheduled charges and failed-payment notifications.

8 — Subscription billing with trials, proration and plan changes, smart retries and dunning, card account updater, mandate management with pre-notification, and a documented process for exporting payment tokens to another provider.

10 — Recurring revenue is a first-class product: usage-based and invoice-based billing, dunning with measurable recovery, token migration in and out documented with a stated timeline and format, and recurring support stated for every local method that allows it.

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The Finance Lead

We found no public information on stored payment methods, SEPA mandates, subscription billing, dunning or the portability of payment tokens. Nothing on the captured pages evidences repeat charging of any kind, and a business with recurring revenue would be planning blind. 1 2

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The E-Commerce Lead

We found no public information on stored cards, merchant-initiated transactions, SEPA mandates, subscription plans, retries or dunning — nothing on the captured pages evidences charging the same customer twice. Every capability this area needs is unevidenced, which reads as starting from zero. 1

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The SaaS Founder

We found no public information on stored cards, merchant-initiated transactions, SEPA mandates, subscription logic, dunning, or any process for exporting payment tokens to another provider. A provider that keeps the tokens keeps the customer base hostage, and here the question is not even raised publicly. 1

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The Payments Engineer

Nothing in the captured material mentions stored payment credentials, card-on-file charges, SEPA mandates, subscription plans or failed-payment handling. I found no public information on merchant-initiated transactions at all, so per the bottom anchor every charge looks like it starts from the customer's action. 1

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The Compliance Officer

We found no public information on stored payment credentials, SEPA mandate handling, subscription plans, retry or dunning, or export of payment tokens. Nothing on the captured pages evidences charging the same customer twice. 1 2

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The Skeptic

We found no public information on stored payment credentials, merchant-initiated transactions, SEPA mandate handling, subscription logic or dunning anywhere on the captured pages. With nothing evidenced on repeat charging at all, this sits at the bottom by what total absence is worth. 1

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Settlement, reconciliation & API

Show reasoning
How this is scored

Getting the money and knowing what it was: payout cadence and currencies, fee itemisation per transaction, reports that match a bank statement, and an API and webhooks a team can build finance processes on.

0 — Payouts on an unstated schedule, one net amount per payout, and no API or report beyond an on-screen list.

3 — A stated payout schedule and CSV exports, but fees netted invisibly into payouts and an API with thin documentation.

5 — Payout frequency and delay stated, per-transaction fee breakdown in reports, a documented REST API with webhooks and a test mode, and exports that link each payout to its transactions.

8 — Configurable payout schedules and settlement currencies, reconciliation reports that match bank lines, accounting integrations or exports named, a versioned API with idempotency and published rate limits, and a public status page with incident history.

10 — Finance can close the month from the provider's data: interchange and scheme fees itemised per transaction, automated reconciliation to the ledger, a deprecation policy for the API, and full historical data exportable after the contract ends.

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The Finance Lead

There is a transaction panel on desktop and mobile and an API is mentioned alongside free shop plugins, but that is an on-screen list with no finance process around it. We found no public information on payout cadence or currencies, per-transaction fee itemisation, reconciliation reports matching bank lines, webhooks or a test mode — I could not close a month on this. 1

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The E-Commerce Lead

The evidence amounts to a transaction panel on desktop and mobile plus the bare existence of an API. We found no public information on payout schedule or currencies, per-transaction fee breakdowns, webhooks, a test mode, or exports that tie a payout to its transactions — my finance team could not build anything on what is published. 1

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The SaaS Founder

What is public is a transaction panel for desktop and mobile and an API mentioned as an integration route. We found no public information on payout cadence or settlement currencies, per-transaction fee breakdowns, webhooks, test mode, or reports linking payouts to transactions — finance could watch sales but not close a month. 1

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The Payments Engineer

Plugins and shop modules or an API are offered, and there is a transaction panel for desktop and mobile, but I found no public information on payout cadence, per-transaction fee reporting, webhooks, test mode, API documentation or a status page. I could not build a finance process on what is captured. 1

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The Compliance Officer

A transaction dashboard for desktop and mobile, plus integration by plugins or API, are mentioned. We found no public information on payout cadence or currencies, per-transaction fee breakdown, webhooks, test mode, or reports that reconcile to a bank statement. 1

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The Skeptic

The captured pages mention a free API, shop plugins and a desktop-and-mobile transaction dashboard, but we found no public information on payout schedule or settlement currencies, per-transaction fee breakdowns, webhooks, test mode or reports linking a payout to its transactions. The on-screen transaction panel is the only reporting surface shown. 1

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Licence, risk & account terms

Show reasoning
How this is scored

Who holds the merchant's money under which licence, and what the contract lets the provider do on a bad day: freezes, reserves, termination, chargebacks. Scored on what the terms and the imprint state, not on reputation.

0 — No regulated entity named; terms allow freezing funds and terminating the account at any time with no notice, reason or timeline.

3 — A licence mentioned without the entity, supervisor or register number, and terms that permit reserves and holds with no stated limits.

5 — The regulated entity named with its supervisor and licence type, safeguarding of merchant funds stated, chargeback fees and dispute process published, and a notice period for ordinary termination.

8 — Entity, supervisor, register number and passporting stated per country; reserve and rolling-hold conditions defined with limits and release timelines; freeze and termination terms with reasons and a route to appeal; PCI DSS level and attestation published.

10 — The bad day is written down: every regulated entity in the chain named with register links, reserve calculation disclosed, funds release timelines after termination committed, a documented complaint route to the supervisor, and exit terms that include handing back payment tokens and transaction history.

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The Finance Lead

The entity is named — Krajowy Integrator Płatności S.A. seated in Poznań — and onboarding requires a verification form, an activation fee and acceptance of the general terms, whose content is not shown. We found no public information on the licence, supervisor or register number, safeguarding of merchant funds, reserve or rolling-hold limits, freeze and termination notice, or chargeback fees, which is exactly the Tuesday-morning surprise I price against. 1 2

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The E-Commerce Lead

The contracting party is named — Krajowy Integrator Płatności S.A. in Poznań — and account opening requires a verification form, an activation fee and accepting the general terms. We found no public information on a licence, supervisor or register number, and no published chargeback fees, reserve limits, freeze or termination conditions, so the bad-day terms are invisible to me. 1 2

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The SaaS Founder

The contracting entity is named — Krajowy Integrator Płatności S.A. in Poznań, also the named data controller — and onboarding requires a verification form, an activation fee of unstated amount, and acceptance of the general terms. We found no public information on licence type, supervisor, register number, safeguarding of merchant funds, chargeback fees, or termination notice, which leaves the bad-day terms unreadable before signing. 1 2

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The Payments Engineer

The contracting entity is named — Krajowy Integrator Płatności S.A. seated in Poznań — and onboarding includes a verification form, an activation fee and acceptance of the general terms. I found no public information on a licence, supervisor, register number, safeguarding of merchant funds, chargeback fees or termination notice periods, so the bad-day terms are unexamined. 1 2

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The Compliance Officer

The contracting entity is named — Krajowy Integrator Płatności S.A. seated in Poznań — and activation requires a verification form, an activation fee and acceptance of the general terms. We found no public information on the supervisor, register number or licence type, safeguarding of merchant funds, chargeback fees and dispute handling, or notice periods and grounds for termination. 1 2

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The Skeptic

The pages name Krajowy Integrator Płatności S.A. seated in Poznań as the entity and data controller, and activation requires a fee plus acceptance of general terms (OWU) — but we found no public information on a licence, supervisor, register number, safeguarding of merchant funds, chargeback fees, or reserve, freeze and termination conditions. A missing licence number is an answer in itself, and the terms' contents are not on the captured pages. 1 2

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European sovereignty panel opinion

Show reasoning
How this is scored

Who the contracting and regulated entity is, and where transaction and cardholder data are processed and stored. Independently sourced by the sovereignty pipeline. The card schemes are US-based for every provider, so the scheme layer is not held against any one vendor; the part the vendor controls is.

0 — Non-EU contracting entity, no statement on where payment data is processed, and subprocessors unnamed.

3 — An EU licensed entity contracts, but payment and customer data is processed outside the EU by default without an explained safeguard, or the subprocessor list is absent.

5 — EU contracting and regulated entity, EU processing stated for core payment data, but the group parent or significant parts of the chain (fraud scoring, support, analytics) are non-EU without a stated safeguard.

8 — EU entity and EU licence, payment and cardholder data processed and stored in the EU on named infrastructure, subprocessor list published with locations, and a DPA covering the processing the provider does as processor versus as controller.

10 — Sovereign end to end and evidenced: European ownership, EU entity and licence, every processing location and subprocessor European, European rails (SEPA, Wero or national schemes) offered alongside cards, and certifications published.

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The Finance Lead

The Polish entity Krajowy Integrator Płatności S.A. is the named data controller, and card processing for Apple Pay runs through Elavon as the acquirer. We found no public information on where transaction and cardholder data are processed and stored, a subprocessor list with locations, or a data processing agreement, so the parts the provider controls rest on the entity's seat alone. 1 2

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The E-Commerce Lead

An EU entity, Krajowy Integrator Płatności S.A. with seat in Poznań, is named as the data controller, which is the right starting point; card acceptance for Apple Pay runs through a separate contract with acquirer Elavon. We found no public information on where payment and cardholder data are processed or stored, on named infrastructure, or on any subprocessor list. 1 2

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The SaaS Founder

A Polish entity in Poznań contracting and acting as data controller is the only sovereignty signal, and the card acquirer behind Apple Pay is a third party, Elavon, with no location or safeguard stated. We found no public information on where transaction and cardholder data is processed and stored, on a subprocessor list, or on a DPA. 1 2

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The Payments Engineer

The Polish joint-stock company both contracts and is named as data controller, which is the right starting point, but the captured pages are silent on where payment and cardholder data is processed and stored. I found no public information on a subprocessor list or DPA, and card transactions run through the acquirer Elavon, so the chain beyond the EU entity is unevidenced. 1 2

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The Compliance Officer

A Polish entity seated in Poznań is named and declares itself controller of payers' personal data, with Elavon appearing as the card acquirer for wallet payments. We found no public information on where transaction and cardholder data are processed and stored, on the subprocessor list, or on a data processing agreement, and no sovereignty attributes were independently confirmed for this vendor. 1 2

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The Skeptic

The contracting entity and data controller is a Polish company seated in Poznań, and card acquiring for Apple Pay is placed with Elavon, with no location stated for it or for any other party in the chain. We found no public information on where payment and cardholder data are processed, no published subprocessor list, and the independently sourced sovereignty record came back with nothing — the Polish seat is the only solid fact on this axis. 1 2

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Pricing transparency not rated — the vendor publishes no price

Show reasoning
How this is scored

Whether a merchant can compute the effective fee for their own mix of cards, countries and methods — including cross-border and currency conversion markups, chargebacks, refunds, payouts and monthly fees — from public pages alone.

0 — No public prices at all; every rate is a sales conversation.

3 — A headline percentage exists, but it is unclear which cards and countries it covers, and cross-border, currency conversion or chargeback fees are unstated — the effective fee is unknowable.

5 — Rates published per main method with domestic and international cards distinguished, but at least one commonly incurred cost (currency conversion markup, chargeback fee, payout or monthly fee) is missing or "on request".

8 — Every method priced publicly, cross-border and currency conversion markups stated, chargeback, refund and payout fees listed, minimum monthly fees and contract term given, and whether the model is blended or interchange++ said plainly.

10 — Complete fee computability: the effective rate derivable for a given volume, card mix and country mix — interchange++ with the markup published or a blended rate with every exception listed — plus volume tiers, reserves and every ancillary fee on a public page.

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The Finance Lead

What is public are pricing shapes, not prices: volume packages promising lower commission at higher scale, an activation fee of unstated amount, and a free account with free integrations. No percentage, per-method rate, cross-border or currency conversion markup, chargeback or payout fee appears on the captured pages, so the effective fee cannot be computed from public information. 1 2

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The E-Commerce Lead

What is public is structure rather than rates: a free account, an activation fee of unstated amount, and volume packages promising lower commission at higher sales. We found no published percentage or per-method rate, and no word on cross-border, currency conversion, chargeback or payout costs, so I cannot compute an effective fee for my card and country mix. 1 2

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The SaaS Founder

Public pages show a free account, a required activation fee with no amount given, and volume 'price packages' promising lower commission at higher sales with no rates attached. We found no public information on per-method pricing, cross-border or currency conversion fees, chargebacks, or payout fees, so an effective fee for my own card and country mix cannot be computed from public pages. 1 2

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The Payments Engineer

Price packages that lower the commission at higher sales volume, a free account and a required activation fee are signposted publicly, but no rate figure appears anywhere in the captured pages. I found no public information on percentages, per-method pricing, cross-border or currency conversion markups, chargeback or payout fees, so the effective fee is not computable from public pages. 1 2

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The Compliance Officer

The pages mention a free account, an activation fee whose amount is not published, and price packages with "lower commission at higher volume" and no figures. We found no public information on any commission rate, per-method pricing, cross-border or currency conversion markups, or chargeback and payout fees, so the effective fee cannot be computed from public pages. 1 2

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The Skeptic

The captured pages advertise 'price packages' that lower the commission at higher sales scale and a free account, while activation also requires a fee whose amount is not shown — no percentage, per-method rate, cross-border or currency-conversion markup, chargeback fee or payout cost appears anywhere. We found no public information on actual figures, so a merchant cannot compute even a rough effective fee from these pages. 1 2

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Questions about Tpay

Is Tpay European?

Not determined: the vendor’s pages as captured do not say where Tpay is based.

Where does Tpay store data?

Not stated on the vendor’s pages as of 20 Oct 2026.

Does Tpay have a free plan?

Not stated on the vendor’s pages as of 20 Oct 2026.

What are the best alternatives to Tpay?

As of 21 Oct 2026, the panel rates Adyen (3/5), Mollie (3/5) and Checkout.com (3/5) highest among the other 30 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Adyen (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Tpay alternatives.

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

Sources (2)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor page tpay.com Checked 20 Oct 2026 Details →
  2. 2 Payment methods & local coverage — found from sitemap tpay.com Checked 20 Oct 2026 Details →