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Processing Unit Cards with TabaPay

Allow your end customers to instantly fund their deposit account on Unit using a debit card with Tabapay.

Decrease your end customer's time-to-first-use by eliminating ACH processing time. Tabapay connects to all major networks to optimize for efficiency and cost.

Customer Experience

1. Once your end customer has been issued a debit card for their deposit account on Unit, you can prompt them to fund the account with an external debit card.
2. They'll select an amount and enter their external debit card information like on an ecommerce site.
3. The funds can then be automatically pushed to their activated Unit debit card. If the transaction is successful, your end customer will see their deposit account funded on Unit immediately.
4. Your customer may receive a request to provide authentication information (such as an SMS one-time passcode) from their external debit card issuer by means of 3D Secure verification. If so, your end customer will complete the authentication in your UI.

Implementation

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Contact TabaPay

Unit will help you contact with TabaPay to get the implementation going.

• Please ensure that you have whitelisted VGS's IP addresses for Sandbox/ Production.
• You will contract with Tabapay directly. Tabapay will onboard you as a Merchant. From there, Tabapay and the Sponsor Bank will underwrite your Application. To do so you'll need to complete the following:
  • Mutual NDA
  • Merchant Application for purchases and disbursement services
  • Merchant Agreement, including pricing terms

Compliance

• Sponsor Bank Partner: Sponsor Bank partner will need to provide Tabapay with an Agency Letter agreeing to let you participate in Tabapay's offering. Unit will facilitate this on your behalf.

Technical Integration

End Customer User Interface:

Tabapay offers a fully customizable, PCI-compliant UI widget to collect the external debit card details. Your customer may need to provide their external debit card postal code to complete AVS verification. TabaPay has several tools for all your pre-processing needs.

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Learn more about TabaPay Shield

At TabaPay, we strive to keep fraud out of our systems. To that end, we created a consolidated program, TabaPay Shield, to provide end-to-end risk & fraud tools for our clients.

TabaPay Shield

Address Verification Services

Verify customer address

Account Name Inquiry

Match Cardholder Name

CVV2 Check

Confirm Card Information

EMV 3D Secure

Use 3DS Verification

TabaPay Tokens

Pass Card Information

AML Controls

Set Up Anti-Money Laundering Safeguards

OFAC Screening

Check OFAC Sanctions

Apple Pay

Payments for iOS, iPadOS and macOS users.

Google Pay

Payments for Google Users

More Resources

Risk-Related Data

ANI FAQs

3DS FAQs

Card Check Verification and Eligibility Check

Query Card

Query Bank

Enable Card To Card Payment Using Tabapay

In your integration with Unit, specify TabaPay

Request

Verb: PATCH
Url: https://api.s.api.unit.sh/cards
Required Scope: cards-write
Timeout (Seconds): 5

Attributes

Response

Response is a JSON:API document.