The idea: why we're building One Tap

Every time we had to chase a receipt, photograph a docket, or manually match a bank statement to an invoice, the same thought came back: this is a solved problem that nobody has bothered to solve.

The idea isn't new. Back in 2010 we sketched out a product called WebWarranty — a service that would digitise purchase warranties and receipts so consumers never lost proof of purchase again. The core insight was the same one we have now: the moment a transaction happens, everything about that transaction should be captured automatically. You shouldn't have to do anything.

WebWarranty never launched. The technology wasn't there in 2010. Contactless payments were nascent, real-time webhooks from POS terminals weren't a thing, and the idea of a virtual card that could talk to a cloud service at the moment of tap was ahead of what was practical to build and take to market.

Fast forward sixteen years and everything that was missing in 2010 exists now. Contactless is universal. Virtual card issuance APIs are available to startups. POS terminal providers like Square expose webhooks. The ATO has digitised GST requirements. Real-time payment infrastructure is standard.

The problem — chasing receipts, managing expense admin, BAS scrambles — is identical to what it was in 2010. The technology to solve it has finally caught up.

So in March 2026 we started building. The concept is straightforward: a virtual Mastercard, integrated with merchant POS systems, that generates a fully itemised ATO-compliant tax invoice the moment a payment is processed. The invoice arrives in your feed before you've put your phone back in your pocket.

One Tap is what WebWarranty was trying to be. Fifteen years later, we can actually build it.

Design and development began this month. We're starting with the consumer product — card issuance, KYC, the invoice feed — and working towards Square as the first merchant integration. Everything is being built in Australia, for Australian compliance requirements, from day one.

If you've ever lost a receipt or spent an afternoon reconciling expenses, this is being built for you. Join the waitlist.