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 Bill Payments via RPPS Works

Consumer at the Originator attempts to initiate payment to the Biller. The user experience of the consumer is provided by the Originator, and for the purposes of this workflow, displays interaction between Originator and Consumer.
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.
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.
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.
TabaPay sends the file to MasterCard RPPS to process. This includes file and batch editing, account number validation and sorting/batching of payments.
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.
The MasterCard RPPS Settlement Bank initiates Fedwires to credit the appropriate Biller’s Bank.
MasterCard RPPS sends payment files to the appropriate Biller. MasterCard RPPS sends confirmation files to TabaPay confirming transactions received,\n processed, any rejects from RPPS, returns from Billers, and reasons for the reject or return.
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

Originator Payment File

Sample Input File

Scroll over the table for more columns: ISO, MID, ACH Type, Entry Type, Entry Descriptions, Amount, IIN, First name, Last name, Account type, RTN, Account, Debit-Credit.

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	123456789	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

Input File Format

Processed File from TabaPay

RPPS Files

File Details

• File sharing details will be provided to the client

Input File name: yyyymmdd_ISO_MID_RPPSInput_N_v2-5.csv (sent to TabaPay)
Processed file: yyyymmdd_ISO_MID_RPPSProcessed_A.csv (received from TabaPay)
o - yyyymmdd=file date o - N=sequence number (1..n) if multiple files per cycle used o - A=file modifier (A..Z) o - For ISO: Do not use MID • Comma separator for each field

Input files

• Merchant deposits input file(s) into the file sharing tool.
• All input files since last batch are processed. • TabaPay moves Input files to 'Inboxprocessed' after processing. • Email to [email protected] with copy to [email protected]: subject: NAME ACH; total debits and $s, total credits and $s • Cut-off time: 2pm PT. • File cutoff missed will be moved to next window • Confirmation of processing email to merchant • TabaPay output files, processed files, return files: • Merchant Pickup return files, Processed files, and Output files in the 'Outbox'

Others

There following files associated with RPPS:

Input file -> this file is generated by the merchant and contains the transaction requests.
Processed file -> this file is generated by TabaPay. It indicates that transactions that have been sent to the bank.
- Status: Processed -> Transaction has been sent to the bank.
- Status: Rejected -> Transaction was rejected, status codes below.

TabaPay pushes RPPS files via SFTP.
SFTP Push - Security options can include:

Merchant whitelists TabaPay IP
SFTP ID and Password
TabaPay public key for SFTP security (ID or ID+PW)
File encryption using Merchant public PGP key

FAQs

FAQs | Transaction Costs

What is the cost of each bill pay transaction through Tabapay?

Standard RPPS costs + TabaPay Markup based on contract. Refer to the Network Fee Guide for the MRPPS label for RPPS rate.

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