The Merchant App

We Convert your iPhone and iPad into a Tap 2 Pay Payment Terminal with Android going live in March 2026

Collect credit card payments today from your own phone!

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Free Merchant Payment Solutions for Business and Nonprofits

Zero Fees
Thirty plus years of merchant processing experience working for merchants as a merchants ourselves. We give merchants the option to pay zero fees for credit card processing legally (not available in California, New York, Connecticut, Maine or Massachusetts)
Every Smartphone Generates Revenue
We focus on having multiple users bringinng money to you. Additional subscription revenue for our merchants from their customers and periodic donors for our nonprofits. Memberships bring your customers more value and revenue for you.
Referral Revenue
Our generous referral income of 10% residuals is unique in our industry. Creating an every growing source of revenue for your business. Revenue sharing with our customers creates loyalty for our business and helps us all grow.

Our Story

3i Tech Works, Inc. is a profitable, fast-growing payments-technology company with annual revenue growth of more than 40% year-over-year. We built and own 100% of the platforms redefining in-person commerce: TheMerchantApp.com and its patent-pending engine RealPayment.net. Together, they form the front door to a post-plastic payments world, allowing consumers to Tap-to-Pay on any smartphone while seamlessly transitioning into biometric checkout powered by facial recognition and multi-factor authentication. TheMerchantApp converts everyday taps into secure, identity-based transactions — replacing exposed card numbers and chips with the most reliable credential available: a live human. For merchants, the value is immediate and measurable. TheMerchantApp delivers faster lines, fewer chargebacks, dramatically lower fraud exposure, and premium in-store experiences — without costly hardware upgrades. Running on existing payment rails, the platform upgrades security at the point of sale while remaining frictionless for shoppers. Each tap-to-pay moment becomes an enrollment opportunity for card-free commerce, accelerating adoption and embedding 3i Tech deep inside merchant checkout flows. For investors and strategic partners, 3i Tech’s edge is structural: patent-pending technology delivered at a fraction of competitor costs — up to 90% savings — while producing 20× to 200× economic return per transaction. With revenue already in market, accelerating growth, and infrastructure-level positioning inside physical retail, 3i Tech Works is not creating a concept. It is scaling a new payments category — and doing it before plastic becomes a secondary form of payments in a rapidly challenging payments universe.
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Save Thousands in Credit Card Fees each month

Transparent Low Fees paid by customers
Empower your employees and nonprofit volunteers to accept payments from their own devices at no cost to you — with funds deposited instantly and securely into your bank account.

World-class customized mobile apps built for you

  • Convert your vision into a multi-million dollar app with top-notch mobile app development services that help startups, scaleups, and enterprises scale. Use our Tap 2 Pay and Collect Credit Card Payments with a single tap from your customers using your app in your business or online. In Person Payments and Online Sales become a breeze. Let them Tap on their phones to send you money directly. No credit card fees to you or card number exposure for your customers. The money goes directly to your bank account. No more entering credit card numbers, CVV codes or expiration dates. Your customers devices become easy to use payment terminals for your business.
Our services
About us

We build mobile apps for your business

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First-time founders/ early-stage startups
We will accelerate the transition from idea to product with the help of our specialists
Scaleups/serial
entrepreneurs
We will take the weight off your product revamp, helping you accommodate new users and scale 2x faster
Businesses/
enterprises
Hire our best developers to beef up your staff or as a dedicated team for your project

300+

Projects delivered

96%

Enterprise client retention

200+

Happy clients

4+

Countries served
Services

Start building your app with us

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Mobile app development
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Cross-platform app development
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App revamp
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Design services
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