How Unified API Works
Boil 'em, mash 'em, stick 'em in a stew!

Supported Payment Instruments and Use Cases
TabaPay Unified API allows great flexibility with respect to the incoming payment instrument
Request for | Request using (for Source or Destination Account) | Detail |
---|---|---|
Pull or Push [Pull from Card, Push to Card, Push to Account Availability: US and Worldwide] |
Payment Card OR | Payment Card is card number that is key entered by your user manually or available to you to send to TabaPay |
Bank Account Information OR | Where you provide us with the Bank Account Number and RTN | |
TabaPay Token (Account ID) OR | Where you have previously stored a payment card with TabaPay (for PCI reasons), and
are in possession of an Account ID. You will be able to create TabaPay tokens using our Create Account API |
|
Network Token OR | Where your user has selected: - Apple Pay - Google Pay - E-Commerce or Card on File Token Where the token is provided by the card network to a Token Requestor. Note: Network Token may be accompanied by an ECI value as well as a token cryptogram |
|
Processor Token | Where you have obtained a token from an Issuer processor for a payment instrument (card or bank account) |
Benefits of Unified API
Benefit | Description |
---|---|
Low Cost | With TabaPay's intelligent routing, we are able to obtain lowest per transaction cost (inclusive of network fees and interchange) for all relevant MCCs |
High Authorization Rates | Across MCCs in "pull" and "push", we have been noticing significantly high authorization rates of over 95% |
Low Fraud Rates | For all use cases - money in and money out, and across all MCCs - our fraud rates are lowest. |
Low Chargeback Rates | We notice less than 0.1% in chargeback rates. Talk to us to find out Chargeback rates across use cases and industries. |
ACH and Bill Payments
Currently, we offer file-based support for ACH and BillPayments (using RPPS).
Get cooking with some recipes!
A few samples to get you started!
🦉
GooglePay 101
Open Recipe
🦉
Apple Pay 101
Open Recipe
Updated 12 months ago