TabaPay stores and manages payment cards and bank accounts securely for you.

For every payment card or bank account, TabaPay validates the incoming payment instrument and stores them as Account ID. This Account ID is what is provided back to you, so you do not have to manage the 16-digit payment card number or bank account. You will be able to utilize the Account ID within our Unified API (Create Transaction API) to Push and Pull.

In addition to storing these cards and bank accounts, TabaPay also updates the accounts using the Account Updater, which refreshes with the card networks.

You can also enable Duplicate Card Check to protect against fraudulent use of lost of stolen cards by rejecting the same card from being used under multiple accounts.

How TabaPay Tokens Work

Prerequisites

You should have access to Sandbox. To request access contact TabaPay Support or email [email protected].

1. Create Account Request

Utilize the Create Account API to create TabaPay Tokens.

{
  "card": {
    "accountNumber": "4111111111111111",
    "expirationDate": "202708"
  },
  "owner": {
    "name": {
      "company": "High Value Company",
      "first": "Test",
      "middle": "D",
      "last": "Name"
    },
    "address": {
      "line1": "123 Street",
      "city": "San Francisco",
      "state": "06",
      "zipcode": "94103",
      "country": "840"
    }
  },
  "referenceID": "Unique_refID123"
}

{
  "bank": {
    "routingNumber": "021000021",
    "accountNumber": "123456789",
    "accountType": "C"
  },
  "owner": {
    "name": {
      "first": "Owner",
      "middle": "Test",
      "last": "Name"
    },
    "address": {
      "line1": "123 Street",
      "city": "San Francisco",
      "state": "CA",
      "zipcode": "94103",
      "country": "840"
    }
  },
  "referenceID": "uniqueid123"
}

2. Create Account Response

For response field descriptions, refer to Create Transaction Response.

{"SC":200,"EC":"0","accountID":"22CharTabaPayAccountID"}

{"SC":200,"EC":"0","accountID":"22CharacterBankTabaID1"}

Note: Each accountID is unique to one payment instrument.

3. Create Transaction Request

Use the Account ID to in a Create Transaction request for both pull or push transactions.

Depending on whether you are performing a pull or push transaction, you will assign the Account ID to either the Source Account ID or Destination Account ID.

Note: When initiating the request, use only the Account ID. The request will fail if you include both payment account information (such as a payment card or bank account) and the Account ID in the same request.

{
    "accounts": {
        "sourceAccountID": "SettlementAccountID12345",
        "destinationAccountID": "CustomerAccountID123456"
    },
    "memo": "Payment to Bank Account B",
    "referenceID": "15character1234",
    "type": "push",
    "amount": "0.75"
}

{
  "accounts": {
        "sourceAccountID": "CustomerAccountID789012",
        "destinationAccountID": "SettlementAccountID12345"
    },
    "referenceID": "kdt0625a24",
    "type": "pull",
    "amount": "0.75",
}

Get Started with some Code Samples!

A few samples to get you started!

Create Transaction with Accounts

Create Transaction examples once you create your accountID.