🏁 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] .

Tabapay's Instant Payments allows you to move funds instantly from consumer's choice of payment instrument to a destination account. Whether you are funding a newly opened account, topping up a wallet’s stored value, or enabling recurring or one-time payments, Tabapay's APIs offer a reliable and flexible solution for instant, secure, and scalable transactions.

For more information, take a look at our webinar.

Definitions

An instant pull can be an Account Funding Transaction (AFT), or a Purchase transaction.

• Account Funding Transaction (AFT): A financial transaction that withdraws funds from a cardholder's account to fund another account, card or non-card. AFTs are often account to account (A2A) transactions.

Note: AFTs may also be used in conjunction with an instant push or original credit transactions (OCTs).

• Purchase transaction: A financial transaction that debits a cardholder's account.

📘

Instant Pulls and Instant Pushes

Instant Pulls or Account Funding Transactions (AFT) and Instant Pushes or Original Credit Transactions (OCT)/Payment Transactions may be used as either separate, stand-alone transactions or they can be linked as part of one overall funds transfer transaction.

Use Cases

Benefits of Instant Pull Payments

• 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 Transaction Flows with One TabaPay API

Pull Transaction Payment Flow

This simplified high level payment flow that can apply to an AFT as well as a general purchase transition.

1. Customer initiates transaction on your platform/website.
2. You send the Create Transaction API with type:pull
3. TabaPay sends the transaction request to the card network.
4. Network returns with the approved amount.
5. TabaPay sends Create Transaction response.
6. You present the approved transaction to the customer.

Account Funding Transaction Example

The following diagram is a an example customer payment flow for an AFT.

1. Customer opens a new brokerage account online and chooses to add funds.
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.

Recommendations

• 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.

TabaPay APIs can help you construct viable and secure Use Cases for Instant Payments that meet all your account funding 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.

Account Funding vs Quasi-Cash

📘

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!