• The Recipes section has been updated to include the following example requests in cURL, JavaScript in Python

• To learn the differences between a Void and Reversal, refer to the Glossary, or the Auth & Capture FAQs.

• The TabaPay System Status and Reports Status pages now include a daily status update with the System Status page reflecting the ongoing SLA of 99.999% uptime.
• Network Mandates
  • Network Mandates will now be posted on the Bulletins section. Bulletins are sent out to TabaPay clients and subscribers. Relevant mandates will still be posted in under each network and announced in the changelog as applicable. Be sure to check the bulletins to get the latest updates. For questions, reach out to TabaPay Support or email [email protected].
• Mastercard
  • Effective July 14, 2025, Mastercard is implementing a uniform pricing structure for certain fees currently assessed to Mastercard Card-Not-Present (CNP) transactions.
    • Cap Removal: The $0.40 fee cap on transactions ≥ $1,000 will be removed.
    • Expanded Fee Applicability: The MDEF will now apply to CNP authorizations declined due to insufficient funds (DE 39 = 51), which are currently excluded.
    • For all network fees, refer to the Network Fee Guide.
• Visa
  • Effective October 25, 2025, Visa will decline transactions that do not meet the following criteria specified for the in-scope fields and transaction types, with response code 64 (Transaction does not fulfill AML requirement).
    • Minimum 3 non-space characters in combined first and last name fields
    • Must not contain:
      • Special characters, including but not limited to: ?, #, =, $, !, &, :, ~, |, _, +, comma (,), /
      • Only digits (cannot be entirely numeric)
      • Only spaces
  • Effective October 18, 2025 Visa is making changes to its commercial card interchange programs for enhanced data. These changes are designed to improve data quality and streamline interchange incentives for level 2 and level 3 transaction types (now referred to as “product 2” and “product 3” transactions). Visa’s existing Level 3 program will be replaced with the new Commercial Enhanced Data Program (CEDP) and new Product 3 interchange rates.
    • Note: your ability to qualify for the most favorable rates will depend on the quality of the data you submit.
    • For current Level 2 and Level 3 descriptions, refer to Level 2 and Level 3 Data.

The Recipes section has been updated to include the following in cURL, Python, and JavaScript requests and JSON response:

The TabaPay Portal has been updated to include the following improvements:

• Delete Details Now Available: You can now view Delete Details for the following transaction types: Authorized, Captured, Partially Completed, and Partially Authorized.
• Improved Transaction Search Results: Increased the number of results returned when searching by custom fields or name — now shows up to 15 results.
• CRB Bank Statements Update:
  • Daily CRB bank statements are now available under the Reporting tab.
  • Monthly CRB bank statements are available under the Invoice tab (for applicable customers only).

The TabaPay Developers Portal navigation has been updated to be organize by product.

• Accept Payments
• Payout Funds
• TabaPay Shield
• Reporting
• TabaPay Portal

Top right section - Resource pages by documentation type.

• API Reference
• Recipes (Code Samples)
• Changelog
• Community
• Login /Logout to Forum

Fraud Intelligence is now available for all clients for risk mitigation and blocking to fight fraud by allowing clients to set custom real-time transaction safeguards across their entire payment volume.

The Error Messages Guide has been added to the API Reference to help clients navigate and errors when getting Status Code: 400s, 404, 409, and 422.

Recipes section has been updated to include the following in cURL, Python, and JavaScript requests and JSON response:

The TabaPay Portal has been updated to include a new design and set of features for clients. Explore TabaPay documentation for new updates. Log in to the Portal through the link sent to your listed client email, or email [email protected] for questions.

The API Reference has been updated to reflect existing API field requirements.

• When performing L3 for B2B pull payments, Quantity includes a string value with two decimal points (e.g. 1.00).
• Phone is has been removed from Query Card, and is optional for Create Account.
• Create Transaction Request examples have been updated to display each amount value as $0.25 for recommended amounts in Sandbox due to client limits. To increase client limits refer to Adjusting Limits.

Recipes have been updated to include the following:

The API Reference has been updated to include a few updates:

• Using SubClientID used with Create Account will create accountIDs at the Client level. It is not recommended if you cannot share both SubClient and Client accountIDs at the same level. Refer to TabaPay Tokens for an overview, or 7. Create Account for a recipe code sample.
• A general restructure of pages within the API Reference that includes overviews and an improved hierarchy within each section.
  • API Overviews, including Transaction, Account, and Client.
  • Developer Guide Overview pages, including: Low-Code Tools, Pre-Transaction Tools, Transaction Features, and Working in Sandbox.
• Updated link from iFrame Card Token to the Browser SDK. The old (Legacy) PCI-Compliant iFrame is being deprecated. TabaPay clients should be moved over or in contact with their TabaPay representative. For any questions contact [email protected].
• Parentheses ( ) will trigger the WAF, and will result in a 406 Error.
• Delete Transaction is NOT eligible to be used for an ACH Transaction.

The following guide has been updated:

• Terminal Integration: Order any amount of terminals through TabaPay for your in-person card acceptance use cases.

• Mastercard Mandates
  • Effective September 15, 2025, Mastercard will introduce Acquirer Clearing Fee in the Canada Region. This fee will apply to transactions switched through the Mastercard Dual Message System. This quantity-based fee will bill USD 0.005 to transactions that are less than or equal to USD 25, and USD 0.0195 to transactions that are greater than USD 25.
  • Effective July 1, 2025, Mastercard will update the rate for the Acquirer Assessment Fee to 9 bps (0.09 percent).
  • Effective June 30, 2025, Mastercard will update the rate for the Acquirer Assessment Fee Rebate for Utilities and Debit Mastercard contactless transactions will be -9 bps (-0.09 percent). This fee is for domestically acquired Utilities, and Debit Mastercard contactless transactions initiated with a Debit Mastercard card issued in the Canada region.
  • Effective June 16, 2025, Mastercard will update the rates and tier boundaries for Acquirer License Fee will be revised as detailed in the Acquire License fee table. The fee change will be reflected in 16 June 2025 billing.
  • Effective February 25, 2025, Mastercard will revise standards to Mastercard Gaming and Gambling Payments Program in the United States Region and the U.S. Territories including Puerto Rico to support inbound cross-border Gaming Payment Transactions from the United States to Puerto Rico to eligible Mastercard debit and prepaid cards.
  • Reminder: Mastercard has updated their integrity fees impacting clients transacting in Canada with MasterCard acceptance, for card-Not-Present (CNP) authorizations that are declined twice due to closed accounts, fraudulent activity, or cardholder cancelled the agreement with the same card, same merchant and a Merchant Advice Code (MAC) 3 or 21 in the same month (30 days).
    • MAC value 03 (closed account or fraudulent)
    • MAC value 21 (cardholder cancelled agreement)
      Note: Clients should review the Mastercard Transaction Processing Excellence Table
• Visa Mandates
  • Effective April 11, 2025 Visa will update changes to Visa Gold Products Issued from France and French Territories to be assessed the existing Premium Interchange Fee Program.
  • Effective April 11, 2025 Visa will launch a new, higher-tier product targeted at the ultra-high net worth segment in Brazil. The new Visa Infinite Privilege products will target the top quartile of Private Segment and provide new benefits and product features in line with their evolving status and enhanced spending power.
  • Effective April 11, 2025, Visa will introduce the Visa Signature prepaid product for issuers in the CEMEA region to address the need in various CEMEA markets to have differentiated product and segments for prepaid funding sources. The current prepaid product suite has only two variants: Visa Classic and Visa Platinum.
  • Reminder for Clients sending OCTs: effective October 17, 2025, Source of Funds is required on all Payment/OCT transactions for both Domestic and OCT transactions. Transactions will be declined by Visa if the Source of Funds field is not populated in all OCTs.
    Note: Previously the effective date was April 11, 2025.
• The Enriched TabaPay Shield Attributes section has been updated to display each of the network attributes to help you smarter risk, security, payment, and compliance decisions using enriched data in the Create Transaction and Query CardAPI flows.
  • All Networks
    • Payment Account Reference (PAR)
    • Network Identifier (Network ID)
    • ECI Response
  • Visa-Specific Data
    • Visa CAVV Results Code
    • Authorization Characteristics Indicator (ACI)
  • Mastercard-Specific Data
    • MasterCard Merchant Advice Code (MAC)
    • MasterCard UCAF Collection Downgrade Indicator
• More Recipes have been updated for a Debt Repayment Use Case to include the following in cURL, Python, and JavaScript requests and JSON response:

• The TabaPay Portal Transaction List and Transaction Details page has been updated to include the originating (Sender) currency and the Beneficiarycurrency. Previously only the beneficiary currency was displayed. Refer to the Amount column in the following example:

  Example	Amount	Status
  New	12.99 CAD --> (est) 9.58 USD	Completed
  Old	9.58	Completed

  • Note: The actual Transactions List will display more columns listed in Create Transaction Response Body.

• Update Account v1 and Update Account v2 descriptions have been updated to reflect the following path parameters: https://{<<FQDN>>}/{Version}/clients/{<<glossary:ClientID>>}/accounts/{<<glossary:Account ID>>}

  • Use v1 to replace all fields.
  • Use v2 update any one or more fields (e.g. Owner, Address, Phone, Exp. date), excluding card account numbers.

• Visa Mandates

  • Effective 1 January 2025, the Digital Commerce Services Fee (DCSF), or (VDCF) will be based on authorized transactions rather than clearing and settlement.
  • Effective 25 May 2025, Visa will update the system integrity fee program authorization retry logic to
    improve authorization processing and optimize the consumer experience through more transaction approvals.
    • Authorization retry evaluation criteria will be updated to include the cardholder-initiated transaction (CIT) versus merchant-initiated transaction (MIT) identifier.
    • The number of retries permitted after a Category 2, 3, or 4 response code decline will increase from 15 retries in 30 days to 20 retries in 30 days (Visa Rules ID#: 0030640)

• As a reminder, TabaPay will maintain its current freeze dates from December 23 to January 1.

  • Note: Only small changes to existing sub-clients or the creation of new sub-clients permitted.

• More Recipes have been updated to include the following in cURL, Python, and JavaScript requests and JSON response:

• Two new Visa Authorization Response Codes have been listed on the Network Response Codes page to increase transparency during authorization. These response codes will be effective April 11, 2025.

  These updates are to encourage good business practices, reduce fraud, improve authorization approval rates, reduce operational costs, and enhance satisfaction across the payments ecosystem. TabaPay Clients can use the new information to correct issues and optimize the resubmission of authorization requests

  Reponse Code	Detail	Category	Re-attempt Allowed
  5C	Transaction not supported/blocked by issuer	2	Yes
  9G	Blocked by cardholder/contact cardholder	2	Yes