Tappy – Global Top-Ups, Gift Cards & Wallet SaaS Platform

Tappy — Global Top-Ups, Gift Cards & Wallet SaaS Platform

A complete, white-label platform to launch your own international airtime, data & gift-card business — with a prepaid wallet, AI Copilot, reseller program, developer API and a powerful admin back office.

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Documentation

Built with: Laravel 13 · PHP 8.4 · React 19 · Inertia.js · TypeScript · Tailwind CSS v4 · Stripe · Reloadly

Sell airtime, data & gift cards to the whole world

Tappy is a production-ready SaaS script for digital recharge & rewards. Your customers fund a prepaid wallet, then send mobile top-ups and buy gift cards across 140+ countries and 700+ operators — one at a time, in bulk, or on a recurring schedule. Resellers manage an agent network and earn commission, while you run the entire platform from a dedicated admin back office. Every screen is built with real data, real money flows, and a real test suite — not a clickable mock-up.

Live demo logins

Password for all accounts: password

• Admin — [email protected]
• Business — [email protected]
• Reseller — [email protected]
• Customer — [email protected]

Everything you need to launch

Five revenue streams, one wallet, one API, one dashboard.

• Airtime & Data — mobile top-ups to 700+ operators with automatic operator detection from the phone number.
• Gift Cards — a global brand catalog delivered instantly by email or SMS.
• Prepaid Wallet — a real ledger with funding, holds, fees, refunds and optional auto-reload.
• ✨ AI Copilot — send top-ups and get answers in plain language; the AI drafts, you confirm.
• Reseller Program — manage a customer/agent network with configurable commissions and payouts.
• Developer API — scoped API keys, signed webhooks and code samples for easy integration.
• White-Label & CMS — rebrand everything and edit the public landing page, no code required.
• ️ Admin Back Office — users, KYC, a risk engine, commissions, a live catalog and a full audit trail.

Role-aware dashboards

Business, reseller, customer and admin each get a tailored home with a real wallet balance, live KPIs, charts and quick actions. Built with React 19 + Inertia for an instant, SPA-smooth experience.

AI Copilot — top-ups by simply asking

A built-in assistant understands natural language, resolves the recipient and operator, calculates the fee, and hands you a confirmable draft. It also answers questions about balances and transactions using your real data.

• Pluggable LLM providers — Anthropic, OpenAI, OpenRouter, Groq or Gemini
• Works out-of-the-box with a built-in engine (no API key required)
• You always confirm — the AI never spends money on its own

Send a top-up — 140+ countries, operator auto-detected

Type a phone number and Tappy detects the country, currency and operator in real time, shows local FX, and delivers in seconds — with a clear fee breakdown before you confirm.

Gift cards — a global brand catalog

Browse thousands of gift-card brands across regions, filter by category, and deliver digital codes instantly — the same fast, familiar flow as top-ups.

A real wallet & ledger — fund with Stripe

Every movement is an immutable ledger entry: funding, purchases, fees, holds and refunds. Top up via Stripe Checkout (or swap in your own gateway), set an auto-reload threshold, and export statements as CSV.

Transactions & receipts

Server-side search, filters and pagination across all transactions, with live status, downloadable receipts and CSV export.

Developer API — build on Tappy

Issue scoped sk_live_ / sk_test_ keys, configure HMAC-signed webhooks, monitor delivery, and copy ready-made snippets for Node.js, Python, cURL and PHP.

Reseller program — grow through agents

Resellers manage their own downstream customers and earn commission on every successful order. Earnings, commission trends and payouts are tracked automatically and attributed to the right agent.

Run the whole business from one admin

A complete back office — not just a settings page. Platform-wide GMV, success rate, commission, provider health and alerts at a glance.

KYC review — approve real uploaded documents.

Configurable risk engine holds high-value orders for review.

Live operator catalog synced from the provider.

Users, roles, KYC, suspension and “log in as user” support.

100% white-label — branding & landing-page CMS

Set your app name, logos (light/dark), favicon, colors and display modes, then edit every section of the public homepage from the dashboard. SEO & social meta included. Your customers never see a third-party brand.

Edit every landing section — show/hide, reset, no code.

Full feature list

• 4 user roles: Admin, Business, Reseller, Customer
• International airtime & data top-ups (700+ operators)
• Automatic operator detection & live FX
• Global gift-card catalog with instant delivery
• Prepaid wallet with an immutable ledger
• Stripe Checkout funding (+ pluggable gateway)
• Wallet auto-reload with threshold & cooldown
• AI Copilot (multi-provider, confirm-to-send)
• Bulk top-ups via CSV upload, per-row results
• Recurring automations on a schedule
• Saved recipients & address book
• Reseller program: customers, tiers, commissions
• Automatic commission attribution & earnings
• Configurable commission/pricing rules
• Developer REST API with scoped keys
• HMAC-signed webhooks + delivery log
• Admin dashboard with real platform metrics
• User management, roles & suspension
• KYC verification — document upload & review
• Risk & fraud engine with held-for-review
• Live operator/country catalog sync
• Audit log of sensitive actions
• Admin “log in as user” impersonation
• Reports: revenue, margin, product mix, destinations
• Transactions with search, filters & receipts
• CSV export across lists
• Support tickets with replies
• Notifications & in-app alerts
• White-label branding (logos, colors, modes)
• Landing-page CMS with SEO & social meta
• Integrations settings (Stripe, mail, providers)
• Two-factor authentication (Laravel Fortify)
• Light & dark mode
• Comprehensive in-app & offline documentation

Built right — secure & tested

• Money integrity — server-side fee calculation, row-locked wallet mutations and idempotency keys prevent double-charges; failed deliveries auto-refund.
• Secrets encrypted — API keys and integration secrets are encrypted at rest and never returned to the client in plaintext.
• Hardened — CSRF protection, rate limiting, request-size limits, signed webhooks (fail-closed in production) and KYC documents on private storage.
• Test suite — 300+ automated Pest tests covering wallet, top-ups, refunds, roles, KYC, risk and webhooks.

Tech stack & requirements