This section outlines guidelines when performing cross-border transactions using TabaPay APIs.

Checks for Cross-border Disbursements or Payouts to Cards

In order to ensure that payouts are being processed ONLY to countries that you support and are eligible, we request you to check the Country/Currency Code of the destination card.

Cross-Border Payment Flow

TabaPay's Query Card API verifies the country/currency code corresponding to the Card BIN.

1. You send the Query Card request to check for country and currency for the card.
2. TabaPay returns with the exact country and currency codes.
3. You send the Create Transaction API request with the correct country and currency codes.
4. TabaPay returns with the API response.

How Cross-Border Payments Work

The request it sent through Query Card to confirm details and push eligibility of the card.

Query Card Request

POST https://{FQDN}/v1/clients/{ClientID}/cards

{
    "card": {
        "accountNumber": "8405840704999997",
        "expirationDate": "202708",
        "securityCode": "232"
    },
    "owner": {
        "name": {
            "first": "Test",
            "last": "Name"
        },
        "address": {
            "line1": "Phú Riềng Đỏ, phường Tân Đồng, thị xã Đồng Xoài",
            "city": "Đồng Xoài",
            "state": "Tỉnh Bình Phước",
            "zipcode": "67106",
            "country": "704"
        },
        "phone": {
            "countryCode": "84",
            "number": "5555555555"
        }
    },
    "currency": "840",
    "timeout": "39"
}

The response contains details whether the card is eligible for push along with its country/currency details.

Query Card Response

{
  "SC": 200,
  "EC": "0",
  "card": {
    "bin": "840584",
    "last4": "9997",
    "nameFI": "Financial Institution Name",
    "pull": {
      "enabled": true,
      "network": "Visa",
      "type": "Debit",
      "regulated": true,
      "currency": "840",
      "country": "704"
    },
    "push": {
      "enabled": true,
      "network": "Visa",
      "type": "Debit",
      "regulated": true,
      "currency": "840",
      "country": "840",
      "availability": "Immediate"
    }
  }
}

Check and Proceed

Once you retrieve the currency/country details, check if the destination country is supported and eligible for payouts.

If the country is eligible and supported for payouts, proceed with the Create Transaction API request. For an example flow refer to Cross-Border Push to Cards.

📘

We now allow the transaction to be in the currency of the card!

Allow currency in transaction to be currency of card, even if currency is non-acquirer currency and non beneficiary currency

Example:

You originate a push transaction in Canada (currency 124) to a card with issuing country code 826 (currency 826). If the Card uses 840 currency, then we allow push currency to be in 840.

Network Mandates

Sanction screening of recipients is a requirement and sponsor banks have different ways of fulfilling the obligation. For more information on your sanction screening instructions, reach out to [email protected].

Learn more about sanction screening at OFAC Screening.

Be sure to understand the impact that Network Mandates have on your current processing systems.

Test Cards

For international test cards please visit:

• Visa International test cards
• Mastercard International test cards