TabaPay Tokens

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.

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Best Practices - When in your flow should you create TabaPay Tokens (TabaPay Account ID)?

1. First use Query Card to validate a card is in good standing.
2. Use Create Account to create a TabaPay Token (accountID) for the card.
3. The TabaPay token (accountID) can then be added to Create Transaction requests.

Creating TabaPay Tokens

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"
}

Utilizing TabaPay Tokens in TabaPay Unified API

Use the Account ID to create transactions - pull or push - with the TabaPay Unified API.

Our Unified API allows you to use the Account ID either as the Source Account ID or Destination Account ID depending on whether you are performing a Pull or a Push transaction. Remember to only provide the Account ID when initiating the request. (It will not work if you try to initiate a transaction with both, an account (payment card or bank account) AND the Account ID).

{
    "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",
}

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Duplicate Card Checks with TabaPay Tokens

TabaPay offers checks against same PAN being used repeatedly under different accounts. Refer to Duplicate Card Check to understand how this works.

Get Started with some Code Samples!

A few samples to get you started!