Instant Payments for Fintech Innovators

TabaPay is the easiest way to disburse and collect money and transfer funds between accounts in real time.

Payment information




Ranked a top debit processor

in the U.S. by Nilson Report

Payment Information

Trusted by Over Companies

Marqeta Earnin Branch Coinstar Paynearme Onbe

What we do at TabaPay

Disburse funds

Disburse Funds

Disburse funds instantly to your customer’s accounts

Disburse funds

Collect payments

Collect funds instantly and achieve a higher authorization rate and fewer chargebacks

Disburse funds

Fund accounts

Load a new wallet or account instantly , with funds transferred from another account (A2A or P2P)

The Fintech Payment Experts

TabaPay knows Fintech. We help over Fintech companies disburse and collect payments in real time.

With our specialized technology and focus in Fintech, we help you drive more revenue and reduce transaction declines, chargebacks, and fraud.

Industries Served

Industries Served

  • Lenders
  • Earned Wage Access
  • Digital Banks and Brokers
  • Gaming
  • Money Transfer Business
  • Payroll Providers

One API supports all of your payments needs

Credit Card

Any Method

  • Debit and Credit Card
  • Bill Payment
  • RTP
  • ACH

Any Device

  • Online
  • Mobile App
  • Bank Branches
  • Call Centers


  • U.S.
  • Canada
  • Cross-Border in 200+ countries

Drive more revenue with TabaPay

Our clients typically achieve higher authorization rates and lower chargeback rates, even for higher risk programs.

Higher authorization rates

Higher Authorization Rates

Higher Authorization Rates
  • Proprietary machine learning algorithms trained on Fintech transactions
  • Proactive routing to BINs that support these transactions , leveraging 10 network connections
  • Visa and Mastercard Card Updater - Automatic update of expired and replaced cards
Lower Chargeback rates

Lower Chargeback Rates

Lower Chargeback Rates
  • Risk mitigation with push / pull to same card
  • Leverage Apple / Google Pay biometrics
  • Payment authentication with Visa 3-D Secure and Mastercard SecureCode and KYC tools

Cost savings with every transaction

Our technology is built to save you money. On average, clients save 50% in processing fees with TabaPay.

Cost Saving with every transaciton
Intelligent Least Cost Routing Technology

Intelligent Least Cost Routing Technology

TabaPay directly connects to 10 card networks, including regional PINless debit networks, and uses machine learning to find the cheapest route for your payment.

Unique Interchange Categories

Unique Interchange Categories

We use specialized transaction codes for disbursements, debt repayment, account funding, and other Fintech transactions to help you save money.

Payment Optimization

Payment Optimization

Pick and choose your preferred network and payment method for each transaction, optimizing for cost, speed, and coverage.

Tools to help you manage risk

Reduce Fraud

Get additional security with the most advanced fraud solutions and payment authentication tools

  • EMV 3-D Secure 2.0
  • Apple Pay
  • Google Pay
  • Duplicate Account Check
  • AVS
  • CVV2 / CVC2

No Increased PCI Scope

Manage PCI scope with card entry methods that support your customer needs

  • Web
  • Mobile
  • Call Center
  • Bank Branch
Tools to help manage risk

One simple set up for all of your payment needs

Setting up instant payments doesn’t have to be daunting. Integrate one unified API to support card, RTP, and ACH payments in the U.S. and Canada.

Simple API setup for payment needs

24/7/365 payments without disruptions

Network connections

10 direct, fully redundant network connections

Disburse payments

Disburse, collect, and fund, even on evenings, weekends, and holidays

Service Uptime

99.99% service uptime

Ready to get started?

Our payment experts are ready to help you.

Our Team