Push-to-card payout, or disbursement operates through existing card networks (Visa, Mastercard, Discover) to instantly transfer funds to cardholder's payment cards.

The flow of funds are reversed in this flow compared to a traditional purchase, and transactions are sent backwards from the merchant to an issuing bank through the card network, instantly.

With TabaPay's network integrations, funds are available in the recipient accounts within 30 mins of issuer authorization of payout messages.

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What does "instant" or "fast funds" mean?

An issuer participating in Fast Funds must make funds available to the recipient within 30 minutes or less after approving the authorization message.

In practice, this means the issuer updates the cardholder’s available balance (open-to-buy or account balance) within that time window.

Use Cases

• Money Transfers to enable consumers to send funds to a card. (e.g. P2P money transfers to another consumer's payment card)
• Funds Disbursements to enable businesses or government entities to send payments such as: insurance claims, corporate and manufacturing rebates, expense reimbursements, affiliate and contractor payouts, government disbursements (e.g. tax refunds).
• Gig Economy Payouts that allow grocery and food delivery, and ride-share marketplaces to pay their drivers and shoppers instant access to their earned wages, tips, and benefits.
• Merchant Settlements that allow service providers to speed up settlement payments between two parties (e.g. 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 (e.g. Me2Me 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.

Push to Card Workflow

1. Sender initiates transfer to the recipient's card.
2. TabaPay customer initiates Send Payout request (using Create Transaction API), with Sender and Recipient details, including Recipient’s account information to TabaPay.
3. TabaPay receives the 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.
4. 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.
5. TabaPay responds back to our customer with this acknowledgement.
6. 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.

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Card Types Eligibility

Various card types are eligible 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.

Enable Seamless Push to Card with One TabaPay API

1. Customer needs to access funds to use in their brokerage account.
2. Customer selects debit card for instant transfer of funds.
3. Customer confirms the amount to transfer to a debit card.
4. Customer receives confirmation and can use their funds.

How Push to Card Works

Prerequisites

To request, and enable, contact Support, or email [email protected].

If you are using TabaPay Tokens for Source Account information, be sure to grab the accountID originally generated from Create Account API.

Clients handling sensitive card data must comply with Payment Card Industry Data Security Standards (PCI-DSS).

Note: All requests should be in a compressed format.

1. Create Transaction Reqquest

For each field description, refer to Create Transaction API body params.

{
    "referenceID": "kdevtest123321",
    "type": "push",
    "accounts": {
        "sourceAccountID": "{{settlementAccountID}}",
        "destinationAccountID": "{{accountIDcard}}"
    },
    "owner": {
        "name": {
            "first": "Jane",
            "last": "Doe"
        }
    },
    "amount": "2.00",
    "memo": "Corresponding PUSH Transaction"
}

Source Account ID is your settlementAccountID. Destination Account ID is the card account.

A push is indicated with type:push.

2. Create Transaction Response

For each response field description, refer to Create Transaction API response

{
    "SC": 200,
    "EC": "0",
    "transactionID": "ThQ6lOuF2eHWYTaOXdHpng",
    "network": "Visa",
    "networkRC": "00",
    "networkID": "415222151020",
    "status": "COMPLETED",
    "approvalCode": "151020",
    "additional": {
        "par": "V0010013022073812195104907179"
    },
    "card": {
        "last4": "1111",
        "expirationDate": "202712",
        "nameFI": "FORD Instiution"
    }
}

Expected Behavior on Payment Card

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Fundamental Use Cases for Push to Card

1. Money Transfer - including funding into digital wallets and instant deposits to bank accounts.
2. Funds Disbursement (Non-Money Transfer) - including merchant settlement, loyalty and offers, topup to prepaid cards, and credit card bill pay).

Push to Card Code Sample

An example to get you started!