Overview of Instant Pull Payments

Accept single and recurring payments.

Tabapay's Instant Account Funding allows you to move funds instantly from Consumer's choice of payment instrument to a destination account. Instantly funding a newly opened bank account or moving money into your wallet's stored value account are all possible with Tabapay's Account Funding APIs.

For more information, take a look at our webinar.

Popular Use Cases

  • Initial (and subsequent) funding into newly opened bank accounts
  • Loading or topping up stored value accounts
  • P2P Money Transfers - Domestic and International
  • Moving money into digital wallets

In order to enable a variety of use cases, Instant Account Funding provides:

  • Flexible Funding Sources: Offer consumers the ability to fund their account using payment card or their bank account. Refer to How Unified API Works for details on what can be allowable payment instruments.

  • Account Verification & Duplicate Checks: By incorporating our payment card verification methods, you reduce risk and improve authorization rates. We also identify duplicate checks when the same funding source is used across multiple transactions (e.g. a fraudulent card used to fund many newly opened accounts)

  • OFAC Screening: Identify whether or not any parties involved in a transaction can be found on watch lists maintained by the Office of Foreign Assets Control (OFAC)

  • Tokenization: TabaPay's Unified API supports network tokens - device tokens such as Apple Pay, Google Pay, ECommerce or Card on File tokens, as well as Processor Tokens. We also have our own Token Vault if you want a PCI-compliant way to handle payment cards.

  • 3D Secure: In countries where it is mandated, we offer a convenient way to integrate 3D-Secure (3DS) and complete cardholder authentication process to make your instant account funding or disbursement risk-free. TabaPay is compliant with EMV 3DS v2.1.0, and compatible with both web and mobile.

Enable Seamless Account Funding Flows with One TabaPay API

The TabaPay Unified API empowers your platform for: improved customer acquisition, immediate availability of funds, and a seamless digital experience.

  1. Customer opens a new brokerage account online.
  2. Customer opts to instantly fund new account using a debit card.
  3. Customer scans debit card.
  4. Customer selects amount to find new account.
  5. Customer receives confirmation that new account is funded.

Types of Instant Account Funding Flows

Depending on your use cases and program requirements, you can allow your customers to instantly fund using supported payment methods using Tabapay’s proprietary routing engine decides on the most efficient mechanism based on speed and cost of transaction.


Flexible Funding Sources

TabaPay Unified API offers flexibility of payment source when doing a funding transaction (aka "Pull" payment). Refer How the Unified API Works for more information.

Learn how you can use TabaPay Tokens to handle non-PCI compliant environments securely process payments with TabaPay.

When you initiate an Instant Account Funding Transaction (AFT), TabaPay:

  • Validates the request (e.g. API request checks, transaction controls, and limit validations)
  • If validation succeeds, a funding transaction request message via the relevant network for approval.
  • The Issuer/endpoint approves or declines the transaction, and that decision is provided to you

How Instant Pull Payments Work

  • Collect Funding Source Data: Request your consumer to enter a funding source.
  • Check Eligibility of Funding Source: If this funding source is a payment card, you would first check to see if it is eligible for account funding (i.e. is the card eligible for pull?). TabaPay also provides AVS, CVV2, as well as Duplicate checks on a card (in case of a previously created account).
  • OFAC Screening: Additionally, TabaPay API offers the ability to check if the individual initiating the funding is compliant with OFAC before you initiate the funding request.
  • Initiate Funding Request: If it's eligible, you would directly proceed with the request to initiate account funding for the required amount using TabaPay's Unified API.


  • 1. Burden of PCI: If you do not want to deal with storing of sensitive information or handling payment cards in a compliant manner, and would rather TabaPay do the heavy-lifting for you, utilize our internal TabaPay token vault to securely retrieve a TabaPay Token (Account ID) for your payment cards using our Create Account API.
  • 2. 3DS We strongly recommend enabling 3DS during account funding with payment cards. TabaPay provides 3DS support for both web and mobile environments.

In addition, our granular APIs help you construct viable and secure use cases that meet all your account funding needs. Contact us if you need help in finding the right solution for your business needs.

Account Funding with 3DS

To prevent chargebacks with account funding, we strongly recommend utilizing our integration with EMV 3DS during Instant Account Funding. Using EMV 3DS provides additional protection from fraud without negatively impacting cardholder experience.

For both payment cards and network tokens as payment sources, adding EMV 3DS to the flow provides greater protection from fraud while keeping the transaction friction-free 95% of the time.

To learn more about TabaPay EMV 3DS, refer to EMV 3DS

Account Funding vs Quasi-Cash

Account Funding Account funding from a supported funding source with our TabaPay Unified API with the intent of funding a non-merchant account.
  • Money Transfer: Account to Account; Person-to-Person
  • Topping up a stored value account
  • Prepaid card top-up
  • Adding funds to a digital wallet
  • Funding for funds disbursements, e.g. Pulling trom a business debit to fund payroll "push" payments
Quasi-Cash Account funding for the purchase of an item that is representative of actual cash or a substitution for cash.
  • Gambling chips
  • Travelers checks
  • Foreign currency
  • Lottery tickets
  • Money Orders
Purchase Transactions Paying a merchant for goods or services
  • Traditional goods and services
  • Bill payments, Debt repayment, Donations, Gift card purchase, Etc


Domestic vs International

  • When the acquirer and the issuer are in the same country, it is considered Domestic.
  • When the acquirer and the issuer are in different countries, it is considered International.

Code Samples to Accept Payments

A few samples to get you started!