Cross-Border Push to Cards
Send an international payout to a recipient's card.
🏁 New To TabaPay? Start Here
1. Learn
If you are just learning about TabaPay you can begin at Getting Started, and About TabaPay.
2. Chat
To make your first API call, you will first need access to Sandbox. Talk to sales to discuss your use case or get help at [email protected].
3. Test
Once you have access to sandbox from TabaPay Support, look at some code samples with recipes or feel free to post your questions in the developer forum.
Payload Should Be Compact
Each API request body should be formatted in compact JSON when sending a request to the TabaPay API.
Note: If you don’t have access to Sandbox, please reach out to [email protected] .
Cross-Border Push to card payouts/disbursements operate through existing card networks (Visa Direct and MasterCard MoneySend) to instantly transfer funds to cardholder's payment cards across the world.
Push transactions are sent from the merchant to an issuing bank through the card network, instantly.
Use Cases
Push to Card allows you to enable a variety of services such as:
- Money Transfers to enable consumers to send funds to a card. Example, consumer at a bank transfers money to another consumer's payment card (P2P Money Transfer)
- Funds Disbursements to enable merchants, corporations, or government entities to send funds to a card to fulfill insurance claims, corporate and manufacturing rebates, expense reimbursements, affiliate and contractor payouts, government disbursements (such as value-added tax refunds), and online gambling and lottery payouts, etc.
- Merchant Settlements that allow service providers to speed up cross-border settlement payments between two parties (popularly, vendors and merchants).
- Payments via Digital Wallets to move funds out of a digital wallet and delivered to a cardholders card.
- Real Time Deposit/Check Deposits to enable conversion of checks into a digital payment delivered to a cardholder's card at a bank. Example, sender moves money from his own bank account to a payment card (me-to-me transfers).
- Loyalty and Offers to pay loyalty reward or merchant offer onto a card that allows cardholders ready access to redeem benefits.
- Credit Card Bill Payments to pay bills using push to card.
Depending on the type of use case, the disbursement may be considered a Money Transfer transaction for risk control purposes at the networks.
Cross-Border Push to Card Workflow
- Sender initiates a transfer to the recipient's card.
- You initiate the Cross-boder Send Payout request (using Create Transaction API), with Sender and Recipient details, including Recipient’s account information to TabaPay.
- TabaPay receives the Cross-border Send Payout request. Depending on the Recipient’s country and other routing logic, TabaPay routes the request message to the Recipient's Financial Institution using the appropriate rails for the transaction.
- Once the networks completes the payout out to the Recipient's Financial Institution, they acknowledge the request back to TabaPay with a transaction payout status and estimated posting date.
- TabaPay responds back to our customer with this acknowledgement.
- TabaPay generates and sends end of day settlement and transaction level reports to our customers, based on all of their transactions (e.g., purchases, OCT, payouts) processed in the settlement window.
Eligible Card Types
Various card types work for push-to-card transactions: credit cards, debit cards, reloadable prepaid cards, deferred debit cards, and combo cards.
TabaPay allows our customers to query eligibility of recipient cards upfront to prevent an unpleasant customer experience.
With TabaPay's integration with Visa Direct and MasterCard MoneySend, funds are available in the recipient accounts within 30 mins of issuer authorization of payout messages.
Enable Seamless Push to Card with One TabaPay API
Expected Behavior on Payment Card
Fundamental Use Cases for Push to Card
- Money Transfer - including funding into digital wallets and instant deposits to bank accounts.
- Funds Disbursement (Non-Money Transfer) - including merchant settlement, loyalty and offers, topup to prepaid cards, and credit card bill pay).
| Payment Card Type | Expected Behavior | Use Cases |
|---|---|---|
| Credit Card | Payment to the account; For a push to card amount of $100, amount owed on the account reduces by $100 with an incoming push of $100 | Money Transfer (includes digital wallet and instant deposits) Funds Disbursement (includes Merchant settlement, and Loyalty and Offers) Credit Card Bill Payment |
| Debit Card | Value added to the card balance; For a push to card amount of $100, balance on the account increases by $100 with an incoming push of $100 | Money Transfer Funds Disbursement |
| Prepaid Card | Value added to the card balance; For a push to card amount of $100, balance on the account increases by $100 with an incoming push of $100 | Money Transfer Funds Disbursement Top-up to prepaid card |
| Deferred Debit | a) Payment to the underlying bank account; For a push to card amount of $100,
balance on the associated underlying bank account increases by $100 with an incoming push of $100 b) Payment to the payment card, then balance on the debit card goes up by $100 for an incoming push of $100. |
Money Transfer Funds Disbursement |
| Combo Cards | Value added to the card balance; For a push to card amount of $100, balance on the account increases by $100 with an incoming push of $100 | Money Transfer Funds Disbursement |
Get cooking with some recipes!
A few samples to get you started!
Updated 14 days ago