Accept single or recurring payments instantly. Move funds instantly from your customer's card or bank account to your destination account. Get Started with Pull Payments →

• Fund a newly opened account, topping up a wallet’s stored value, or enabling recurring or one-time payments. See Code Samples →

For more information, take a look at our webinar.

Use Cases

Why Choose Pull Payments at TabaPay?

• Flexible Funding Sources: Fund accounts using a customer card or bank account.

• Stronger Risk Controls: Incorporate payment card verification methods to help reduct fraud and improve authorization rates. Use tools like AVS, ANI, and Duplicate checks.

• Built in Compliance: Incorporate compliance tools in your workflow including OFAC screening, 3DS authentication, Real-time monitoring.

• Tokenization: Support for device tokens such as Apple Pay, Google Pay, e-Commerce or Card on File tokens, as well as Processor Tokens. For a PCI-compliant way to handle payment cards refer to TabaPay Tokens.

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Instant Pulls vs Instant Pushes

Instant pulls, or Account Funding Transactions (AFT) are payment acceptance transactions.

Instant pushes, or Original Credit Transactions (OCT)/Payment Transactions are payouts.

Instant pulls and instant pushes may be used as either separate, stand-alone transactions, or they can be linked as part of one overall funds transfer transaction.

Transaction Types

Refer to the table for different types of transactions including Account Funding Transactions AFT, Quasi-Cash and purchase transactions. Each has different correlating use cases.

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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.

Pull Transaction Payment Flow

This high-level simplified payment flow applies to both AFTs and general purchase transactions.

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.

Pull Payment Features

How Instant Pull Payments Work

1. Prerequisites

Fraud Checks

Before collecting payment data you could initiate optional fraud checks on a card and the cardholder using AVS ,ANI, CVV2, and Duplicate Card Checks.

OFAC screening may be highly recommended for some use cases and international payments. Check if the individual initiating the transaction is compliant with OFAC before you initiate the payment request.

Collect Payment Source Data

Request your customer to enter a payment source. For example, you may collect information using the

Browser SDK, or collect through your own API payment flow if you are PCI compliant.

Create Account

Safely store the payment data with TabaPay so you do not have to worry about handling PII and meeting PCI standards.

Note: This will generate an accountID and will eventually populate the Source Account ID information.

Check Eligibility of Payment Source

If this source account is a payment card, you would first check to see if it is eligible for a pull transaction (i.e. is the card eligible for type:pull?).

2. Create Transaction Request

Proceed with the request to initiate the transaction for the required amount and request body parameters based on the use case.

3. Create Transaction Response

Receive the response immediately via API with the return code in the response.

• Card Network Response Codes
• RTP Response Codes
• Overview of ACH

Recommendations

Code Samples to Accept Payments

A few samples to get you started!