Overview

TabaPay offers bill payments via MasterCard Remote Payment and Presentment Service (RPPS),

The MasterCard Remote Payment and Presentment Service (RPPS), governed by MasterCard International, is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions.

Participants

Participant	Detail
Originator/Originator Bank	The Originator originates payment transactions to RPPS using TabaPay as the service provider to originate payments files to RPPS. The Originator’s Bank is a financial institution used by any Originator. It is the institution from which the MasterCard Settlement Bank obtains funds via a Fedwire to credit Receivers for payment files sent through the RPPS network. If an Originator is unable to fund payments sent through the RPPS network, the Originator’s Bank would be responsible for guaranteeing the funds for the Originator.
Biller	The Biller is a company to which a MasterCard RPPS payment transaction is sent
Biller’s Bank	A Biller’s Bank is a financial institution that receives payments on behalf of a Biller from an Originator via the RPPS network.
TabaPay	TabaPay is the Originator’s Service Provider connecting to MasterCard RPPS for bill payments originated to the Biller via RPPS.
MasterCard RPPS	MasterCard RPPS maintains all connections between Originators and Receivers to transmit data and funds. It allows all parties involved to have one connection to reach multiple Originators and Billers, and maintains all connections, performs extensive edit checks on all files and payment transactions, batches and sends all files, and initiates all settlement transactions.
MasterCard RPPS Settlement Bank	The MasterCard Settlement Bank is the financial institution used by RPPS to initiate Fed wires to all Originators’ Settlement Banks and to credit all Receivers for payment files sent through the RPPS network. The MasterCard Settlement Bank sends Fed wires for the value of payments transferred through the MasterCard RPPS network to the appropriate Receivers. The MasterCard Settlement Bank is an agent of MasterCard RPPS and has an agreement with MasterCard RPPS to provide settlement services on its behalf

How it Works

1 Consumer at the Originator attempts to initiate payment to the Biller User experience of the consumer is provided by the Originator, and for the purposes of this document, details of the user experience, interaction between Originator and Consumer during biller search etc. is out of scope of this document.
2 The Originator reviews an online directory with TabaPay (Read RPPS Biller Directory) TabaPay accesses directory at MasterCard RPPS to determine if the Biller can receive payments electronically via the RPPS network.
3 Consumer confirms the payment to the biller. User experience of the consumer is provided by the Originator, and for the purposes of this document, details of the user experience, interaction between Originator and Consumer during biller search etc. is out of scope of this document.
4 The Originator prepares a payment file containing bill payment transactions and sends the file to TabaPay. Validation of records is performed by TabaPay prior to sending a payment file to RPPS.
5 TabaPay sends the file to MasterCard RPPS to process. This includes file and batch editing, account number validation and sorting/batching of payments.
6 The MasterCard RPPS Settlement Bank initiates a Fedwire against the Originator’s bank to retrieve funds in the amount of the payment file after all accounts number validations are complete and inaccurate account numbers have been rejected. Note: Settlement occurs once daily at 6 PM California time for the total processing that occurred that day.
7 The MasterCard RPPS Settlement Bank initiates Fedwires to credit the appropriate Biller’s Bank.
8 MasterCard RPPS sends payment files to the appropriate Biller.
MasterCard RPPS sends confirmation files to TabaPay confirming transactions received, processed, any rejects from RPPS, returns from Billers, and reasons for the reject or return.
9 The Biller posts the credit to its account receivable.

Considerations

Topic	Considerations
Returns	Billers can return any payment sent through TabaPay and the RPPS system. Any payment not posted within 24 hours by the Biller is electronically returned via the RPPS network. RPPS routes it back to the correct Originator. MasterCard RPPS also allows partial returns. These may be used for various reasons, such as discounts, commissions, rebates, or fees. The Biller can electronically return any payment to the Originator through TabaPay and RPPS network. Each returned payment includes a return code that provides the reason the payment is being returned. Payments may be returned if the Biller is unable to post the payment, as may occur if an invalid account number or closed account number is used. Errors and resulting payment disputes are minimized because MasterCard RPPS edits all transaction files prior to sending them to the Biller’s Bank. However, a Biller can return any payment to an Originator via the RPPS network/TabaPay.
Guaranteed Funds	All funds to match payment files sent through MasterCard RPPS are transferred via Fedwire; hence, they are guaranteed funds.
Soft Descriptor	Every Bill Payment will appear as “Bill Payment” in the consumer’s statement. Biller Search using RPPS Biller Directory

Biller Search using RPPS Biller Directory

Originator requests Biller Name and Biller Address from consumer and provides the values to TabaPay in a flat file. Format must be conformant with TabaPay requirements.
TabaPay searches RPPS Biller Directory for the Biller (using numerical values from the address) and returns Biller Name to the Originator.
Once Originator confirms the Biller Name from the Consumer, and requests account number for the Consumer at the Biller, Originator creates bill payment for the biller with TabaPay using the Consumer’s account number in the required format.

Refer RPPS Biller Directory File Format

RPPS File Formats & Samples

New Page

Originator Payment File

Sample data

ISO	MID	ACH Type	Entry Type	Amount	IIN	First name	Last name	Account type	RTN	Account	Debit-Credit
6281	21	N	RPPS	205	rpps0000496	Samwise	Gamgee	RP	123456789	4444444444	C
6281	21	N	RPPS	443.89	rpps0000497	Samwise	Gamgee	RP	123456789	4444444445	C
6281	21	N	RPPS	5.03	rpps0000498	Samwise	Gamgee	RP	233456789	3333333335	C
6281	21	N	RPPS	6.81	rpps0000499	Samwise	Gamgee	RP	123456789	4444444445	C
6281	21	N	RPPS	155.4	rpps0000500	Samwise	Gamgee	RP	*0002380203	*56789	C
6281	21	N	RPPS	68.93	rpps0000501	Samwise	Gamgee	RP	*0002380203	*56780	C

File header record

Field position	Field Size	Content/Format	Example	Remarks
1	1	Numeric	Record Type Code	1
2-3	2	Numeric	Priority Code	01
4-13	10	Alphanumeric	Immediate Destination	“ “ + 999900004
14-23	10	Alphanumeric	Immediate Origin	Bank properties RPPS-ID
24-29	6	YYMMDD	Transmission date	YYMMDD
30-33	4	HHMM	Transmission Time	HHMM
34	1	Alphanumeric	File modifier	User input
35-37	3	Numeric	Record size	094
38-39	2	Numeric	Blocking factor	10
40	1	Numeric	Format code	1
41-63	23	Alphabet	Destination	MC REMIT PROC CENT SITE
64-86	23	Alphabet	Original Name	TabaPay INC
87-94	8	Alphanumeric	Reference code	YYMMDDD-File modifier

Batch header

Field position	Field Size	Content/Format	Example	Remarks
1	1	Numeric	Record Type Code	5
2-4	3	Numeric	Service Class Code	220 Credit, 225 Debit
5-20	16	Alphanumeric	Biller Name	Left justified, with blank
21-40	20		Reserved	Blank
41-50	10	AN	Biller ID
51-53	3	A	Entry Class	CIE
64-63	10	A	Entry Description	RPS PAYMNT or REVERSAL
64-69	6	O/AN	Biller Descriptive Date	YYMMDD
70-75	6	N	Transmission Date	YYMMDD
76-78	3		Reserved	Blank
79	1	N	Originator Status code	1
80-87	8	N	MC RPPS ID
88-94	7	N	Batch number	Unique per file

Detail Record

Field position	Field Size	Content/Format	Example	Remarks
1	1	Numeric	Record Type Code	6
2-3	2	N	Transaction Code	22 Credit. 27 Debit
4-29	26	X	Reserved	Blank
30-39	10	N	Net amount	2 decimal pl
40-54	15	AN	Consumer name	CIE format
55-76	22	AN	Acct number
77-78	2	X		Blank
79	1	N	Addenda record	0
80-94	15	N	Trace Number

Batch control

Field position	Field Size	Content/Format	Example	Remarks
1	1	Numeric	Record Type Code	8
2-4	3	N	Service code	220-credit. 225-debit
5-10	6	N	Entry count	# entries
11-20	10			blanks
21-32	12	N	Sum debit amt	2 decimals
33-44	12	N	Sum credit amt	2 decimals
45-54	10	AN	Biller id
55-79	25
80-87	8	N	RPPS ID	Bank properties
88-94	7	N	Batch number	Match header

File control

Field position	Field Size	Content/Format	Example	Remarks
1	1	Numeric	Record Type Code	9
2-7	6	N	Batch count	# batches
8-13	6	N	Block count	blank
14-21	8	N	Entry count	#entries
22-31	10	N	Hash
32-43	12	N	Sum debit amt	2 decimals
44-55	12	N	Sum credit amt	2 decimals
56-94	30		Reserved

RPPS Error Codes

RC	Description
R01	Insufficient Funds
R02	Customer account closed
R03	No account
R04	Invalid account number
R05	No pre-notification on file
R06	Returned in accordance with originator request
R07	Authorization previously permitted revoked by customer
R08	Payment stopped or stop payment on item
R09	Uncollected funds
R10	Customer advises not authorized
R12	Branch sold to another DFI
R14	Representative payee deceased
R15	Individual (beneficiary) deceased
R16	Account frozen
R17	File record edit criteria
R18	Improper effective entry date
R19	Amount field error
R20	Non-transaction account
R21	Invalid biller identification number
R22	Invalid account number
R23	Payment refused by biller
R24	Duplicate entry
R25	Invalid fair share amount
R26	Erroneous data
R29	Corporate customer advises not authorized
R31	Permissible return entry (CCD only)
R42	Routing number/check digit error
R43	Invalid DFI account number
R61	Misrouted return
R62	Incorrect trace number
R63	Incorrect dollar amount
R64	Incorrect individual identification
R65	Incorrect transaction code
R66	Incorrect company identification
R67	Duplicate return
R68	Untimely return
R69	Multiple errors
R70	Permissible return entry not accepted
R71	Misrouted dishonored return
R72	Untimely dishonored return
R73	Timely original return
R74	Corrected return
R80	Cross-border payment coding error
R81	Non-participant in cross-border program
R82	Invalid foreign receiving DFI identification
R83	Foreign receiving DFI unable to settle
R84	Entry not processed
R95	Rebate of fair share from creditor
C01	Incorrect DFI account number
C02	Incorrect routing number
C03	Incorrect routing number and DFI account number
C04	Incorrect individual name/receiving company name
C05	Incorrect transaction code
C06	Incorrect DFI account number and incorrect transaction code
C07	Incorrect routing number incorrect DFI account number and incorrect transaction cod
C08	Incorrect foreign receiving DFI identification (CBR and PBR only)
C09	Incorrect customer account number
C10	Incorrect company name
C11	Incorrect company identification number (biller identification number)
C12	Incorrect company name and company identification
C50	Automated‚ Account Conversion: Customer account number incorrect
C51	Automated, Account Conversion: Biller ID incorrect
C52	Automated, Account Conversion: Customer account number and Biller ID incorrect
C68	DFI account number not from original entry detail record

Processed File from TabaPay

FAQs

FAQs | Transaction Costs

What is the cost of each bill pay transaction through Tabapay?
Standard RPPS costs + TabaPay Markup based on contract

Will I be charged if a transaction is returned or rejected?

You will pay for every transaction that MasterCard charges; No separate TabaPay or MasterCard charges on Returns.

FAQs | Payment File Confirmation

When payments are processed, rejected, or returned how long will it take for TabaPay to inform us?

TabaPay’s cutoff is 6 PM PT, and you should receive the processed file after the nightly batch at about 6:30 PM. You will receive other reports next morning via Dropbox.

How will those payment updates be shared?
SFTP via Dropbox

FAQs | File Format

Is Account the Bill Pay Account number linking Consumer and Biller?

Yes. Account number matches against biller masks in the Mastercard RPPS Biller/Creditor Directory.

Debit/Credit designator – is this telling us that the Biller accepts Debit or Credit cards?
Credit is a payment, Debit is a reversal.

If so, where would we send the credit card number in the payment file?

Not in the payment file, but TabaPay can help you with processing consumer credit card payments through TabaPay as well. Our card acceptance suite includes PCI-Compliant iFrames as well as APIs to place transactions with us.

Does TabaPay initiate the credit card transaction to pay the biller?

Payment to the biller is handled by the network.

Biller Directory File Format

· Record 0 consists of biller information.

· Record 1 contains biller addresses.

· Record 2 contains biller masks.

o There may be multiple 1 and 2 records associated with a 0 record.

o Each 1 record may contain from 1 to 20 addresses.

o If no biller addresses are available for a biller, no 1 record will be created.

o Each 2 record may contain from 1 to 80 masks for the full and partial downloads, and from 1 to 60 masks for the advanced full download.

o There must be at least one mask for a biller.

o The address record may contain from 1 to 10 addresses, and the mask record may contain from 1 to 25 masks.

· Record 3 contains mask descriptors.

· Record 4 contains AKAs.

· Record 5 contains contacts.

· Record 6 contains phone and fax numbers.

o There may be multiple 3 records associated with a 2 record, multiple 4 and 5 records associated with a 0 record and multiple 6 records associated with a 5 record.

o Each 3 record may contain from 1 to 35 mask descriptors.

o Each 4 record may contain from 1 to 15 AKAs.

o Each 5 record may contain from 1 to 7 contacts.

o Each 6 record may contain from 1 to 20 phone numbers.

o If there is no data for record types 3 through 6, then they will not be created.

o If a mask has mask descriptors, then that mask will be on a 2 record by itself, and the descriptors will be on one or more 3 records after it.

o Likewise if a contact has phone/fax numbers the contact will be on a 5 record by itself, and the phone/fax numbers will be on one or more 6 records after it.

o Mask record may contain from 1 to 50 masks and the contact record may contain from 1 to 3 contacts.

o An 'X0' record will be generated to indicate no data for partial and advanced partial file downloads.

· mask record may contain from 1 to 50 masks and the contact record may contain from 1 to 3 contacts.

· An 'X0' record will be generated to indicate no data for partial and advanced partial file downloads.

File Layout:

Record lengths for the fixed-width format (in bytes): Biller - 1450 to 1451; Biller Address - 232 to 4621 (2311 automated); Mask - 46 to 2701 (2251 automated); Mask Descriptor - 61 to 2101; AKA -

149 to 2221; Contact - 658 to 4600 (1972 automated); Contact Phone - 101 to 2001.

Biller Record (0)

Field Name	Field Size (Bytes)	Field Description
Record Type	N 1	Type of Record; 0 - Biller
Biller Key	N 10	Unique key for this biller record. This value never changes.
Record Effective Date	N 10	The date of the last change to this record - YYYY- MM-DD
Biller ID	N 10	Unique biller ID
Live Date	N 10	The date this biller was first activated - YYYY-MM- DD
Transit Routing Number/ABA	N 10	Credit Counseling Biller ID populated on the RPPS website.
Biller Name	AN 128	Corporate Name
Biller Class	AN 50	Industry Type
Biller Type	AN 30	Identifies the biller type.
Line of Business	AN 2	Indicates biller line of business
File Format	N 3	File format for the biller
Accepts Prenotes?	AN 1	Y - Yes, N - No
Accepts Guaranteed Payments Only?	AN 1	Y - Yes, N - No
*Accepts DMP Prenotes?	AN 1	Y - Yes, N - No
*Accepts DMP Payments Only?	AN 1	Y - Yes, N - No
*Average Response Time (Hours)	N 4	The typical time for a biller to respond to a DMP request
*Accept CDP Prenotes?	AN 1	Y - Yes, N - No

*Accept CDV Prenotes?	AN 1	Y - Yes, N - No
*Accept CDD Prenotes?	AN 1	Y - Yes, N - No
*Accept CDF Prenotes?	AN 1	Y - Yes, N - No
*Accept CDN Prenotes?	AN 1	Y - Yes, N - No
*Accept FBD Prenotes?	AN 1	Y - Yes, N - No
*Accept FBC Prenotes?	AN 1	Y - Yes, N - No
*Return CDR?	AN 1	Y - Yes, N - No
*Return CDT?	AN 1	Y - Yes, N - No
*Return CDA?	AN 1	Y - Yes, N - No
*Return CDV?	AN 1	Y - Yes, N - No
*Return CDC?	AN 1	Y - Yes, N - No
*Return CDM?	AN 1	Y - Yes, N - No
Require Addenda with Reversals?	AN 1	Y - Yes, N - No
Country Code	AN 3	Three character ISO country code
State/Province Code	AN 3	Three character ISO country subdivision code
Check Digit Routine?	AN 1	Y - Yes, N - No
Currency Code	AN 3	Three character ISO currency code
Territory Code	N 1	1 - Global, 2 - National, 3 - Regional
Previous Biller Name	AN 128	Biller Name prior to Change
Note	AN 1000	Comment field
Accepts Exception Payments?	AN 1	Y - Yes, N - No
Same Day Payment Deadline Cycle	AN 1	The deadline cycle used for same-day billers. This field is not present if the biller's concentrator or your institution(s) does not participate in same-day processing.
Total Addresses	N 6	Total Number of Addresses Associated with this Biller
Total Masks	N 6	Total Number of Masks Associated with this Biller
Total AKAs	N 6	Total Number of AKAs Associated with this Biller
Total Contacts	N 6	Total Number of Contacts Associated with this Biller

*Only present in Credit Counseling Directory

Address Record (1)

Field Name	Field Type	Field Description
Record Type	N 1	Type of Record; 1 - Address
Address Key(N)	N 10	Unique key for this address record. This value never changes.
Record Effective Date(N)	N 10	The date of the last change to this record - YYYY- MM-DD
Address Type(N)	AN 40	The kind of address
Address Line 1(N)	AN 50	1st line of Biller Address
Address Line 2(N)	AN 50	2nd line of Biller Address
City(N)	AN 50	Biller City Name
State/Province Code(N)	AN 3	Three character ISO country subdivision code
Country Code(N)	AN 3	Three character ISO country code
Postal Code(N)	AN 15	Address Postal Code

Biller Mask Record (2)

Field Name	Field Type	Field Description
Record Type	N 1	Type of Record; 2 - Mask
Mask Key(N)	N 10	Unique key for this mask record. This value never changes.
Record Effective Date(N)	N 10	The date of the last change to this record - YYYY- MM-DD
Mask Length(N)	N 2	Length of Mask
Mask(N)	AN 22	*=Alpha,#=Numeric,@=Alpha or Numeric, !=Special Character
Exception Mask?(N)	AN 1	Y - Yes, N - No

Biller Mask Descriptor Record (3)

Field Name	Field Type	Field Description
Record Type	N 1	Type of Record; 3 - Biller Mask Descriptor
Biller Mask Descriptor Key(N)	N 10	Unique key for this record. This value never changes.
Record Effective Date(N)	N 10	The date of the last change to this record - YYYY-MM-DD
Mask Descriptor(N)	AN 50	Description of Biller Mask

Biller AKA Record (4)

Field Name	Field Type	Field Description
Record Type	N 1	Type of Record; 4 - AKA
AKA Key(N)	N 10	Unique key for this AKA record. This value never changes.
Record Effective Date(N)	N 10	The date of the last change to this record - YYYY- MM-DD
AKA Name(N)	AN 128	Biller Alias

Biller Contact Record (5)

Field Name	Field Type	Field Description
Record Type	N 1	Type of Record; 5 - Contact
Contact Key(N)	N 10	Unique key for this contact record. This value never changes.
Record Effective Date(N)	N 10	The date of the last change to this record - YYYY- MM-DD
Contact Type(N)	AN 40	The kind of contact
Organization Name(N)	AN 128	Organization contact is associated with
Courtesy Title(N)	AN 20	Contact courtesy title
First Name(N)	AN 50	Contact first name
Last Name(N)	AN 50	Contact last name
Title(N)	AN 50	Contact business position title
Address Line 1(N)	AN 50	1st line of Biller Address
Address Line 2(N)	AN 50	2nd line of Biller Address
City(N)	AN 50	Biller City Name
State/Province Code(N)	AN 3	Three character ISO country subdivision code
Country Code(N)	AN 3	Three character ISO country code
Postal Code(N)	AN 15	Address Postal Code
Email(N)	AN 128	Email address

Biller Contact Phone Record (6)

Field Name	Field Type	Field Description
Record Type	N 1	Type of Record; 6 - Phone
Phone Key(N)	N 10	Unique key for this Phone record. This value never changes.
Record Effective Date(N)	N 10	The date of the last change to this record - YYYY- MM-DD
Phone Type(N)	AN 30	Phone, Fax or Alternate Phone
Phone Number(N)	AN 50	Can include dashes, spaces, etc.

File Layout for Advanced Partial File Type:

Record lengths for the fixed-width format(in bytes): Biller - 22 to 2072; Biller Address - 32 to 182; Mask - 32 to 126; Mask Descriptor - 42 to 192; AKA - 32 to 338; Contact - 32 to 338; Phone - 42 to

192.

ACD

Indicator

AN 1

Indicates an add or delete of a record or a change to a field. A deleted record will have no field changes listed.

Record Type

N 1

Type of Record; 0 - Biller, 1 - Address, 2 - Mask, 3 - Mask Descriptor, 4 - AKA, 5 - Biller Contact, 6 - Phone Number

Biller Key

N 10

All record types. Unique left-justified key identifying either the biller record changed (type 0) or the biller record the change is associated with (types 1-6).

This value never changes.

Record Key

N 10

Record Types 1-6. Unique left-justified key identifying either the record changed (types 1,2,4 and 5) or the record the change is associated with (types 3 and 6). This value never changes.

Record Key

N 10

Record Types 3 and 6 only. Unique left-justified key for this record. This value never changes.

Effective Date

N 10

The date this change becomes effective - YYYY-MM- DD

Field

AN 50

The name of the field being added or changed; not available on a delete.

Current Value

AN 1000(0), 50(1),

22(2), 50(3),

128(4), 128(5),

50(6)

The field value as of the effective date; available on an add or a change.

Prior Value

AN 1000(0), 50(1),

22(2), 50(3),

128(4), 128(5),

50(6)

The field value before the effective date; available only on a change.

No-Data Record

Field Name

Field Size (Bytes)

Field Description

ACD

Indicator

AN 2

Indicates No Data Modifications are available (X0)

Effective Date

N 10

Indicates the processing date of the file - YYYY- MM-DD