Instant Payments for Fintech Innovators

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

$15bn+

Processed

200m+

Transactions

1,400+

Clients

Ranked a top debit processor

Ranked a top debit processor

in the U.S. by Nilson Report

Trusted by over 1,000 companies

What we do at TabaPay

connection

Disburse funds

Disburse funds instantly to your customer’s accounts

credit

Collect payments

Instantly collect payments and achieve a higher authorization rate and fewer chargebacks

uptime

Fund accounts

Load a new wallet or account instantly, with funds transferred from another account

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 1,000 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.

update

Industries Served


credit

Lenders

credit

Digital Banks and Brokers

credit

Money Transfer Businesses

credit

Earned Wage Access

credit

Gaming

credit

Payroll Providers

TabaPay supports your payment needs

credit

ANY METHOD

credit

Debit and Credit Card

credit

Bill Payment

credit

RTP

credit

ACH

credit

ANY DEVICE

credit

Online

credit

Mobile App

credit

Bank Branches

credit

Call Centers

credit

ANYWHERE

credit

U.S.

credit

Canada

credit

Cross-Border in 200+ countries

Drive more revenue with TabaPay

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

credit

Higher Authorization Rates


credit

Proprietary machine learning algorithms trained on Fintech transactions

credit

Proactive routing to BINs that support these transactions, leveraging 10 network connections

credit

Visa and Mastercard Card Updater - Automatic update of expired and replaced cards

credit

Lower Chargeback Rates


credit

Risk mitigation with push / pull to same card

credit

Leverage Apple / Google Pay biometrics

credit

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.

credit

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.
credit

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.
credit

Unique Interchange Categories

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

Unique Interchange Categories

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

Payment Optimization

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

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

Tools to help you manage risk

credit

Reduce Fraud

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

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

    No Increased PCI Scope

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

  • Web
  • Mobile
  • Call Center
  • Bank Branch
  • 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 to support card, RTP, and ACH payments in the U.S. and Canada.

    24/7/365 payments without disruptions

    connection

    10 direct, fully redundant network connections

    credit

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

    uptime

    99.99% service uptime

    Ready to get started?

    Our payment experts are ready to help you.

    Our Team

    previous
    team

    Angela Zhu

    Engineering

    Angela is a software engineer who is passionate about building software, tackling complex problems and designing beautiful interfaces. She has a MS and BS degree in engineering from UC Berkeley. Outside of coding, she loves traveling (she has lived in Japan, Germany and China), cooking and playing board games.

    team

    Anu Madhura

    Technical Operations & Customer Success

    Anu is a technical operations & customer success engineer who loves working with clients to solve their problems. She has more than 8 years of payments experience. Most recently, she was a Senior QA engineer at Samsung Pay and previously was an engineer at Mastercard and payments company, Omney. Outside of work, she loves to garden and spend time with family.

    team

    Diana Garcia

    Business Operations

    Diana is responsible for helping clients manage their chargebacks. She has over 6 years of experience in customer care and chargeback resolutions. She holds a degree in Criminal Justice. When she’s not managing chargebacks, she loves to travel with her kids.

    team

    Joel Zaragoza

    Network Operations

    Joel is a system administrator on the Operations team. He previously held Technical Operations and Systems Support roles at Uber, Dropbox, and Cisco. Joel holds an electrical engineering degree from UC-Davis. Outside of work, Joel is a published songwriter.

    team

    Lilette Uriarte

    Finance

    Lilette is an accountant, specializing in treasury, compliance, and accounting. She has over 20 years of accounting experience and has advised numerous start up and early-stage companies. Most recently, she served as Senior Accounting Manager at TincFinance, a finance and accounting firm. In her spare time, Lilette loves to travel, cook and ski.

    team

    Rashmi Gonde

    Network Operations

    Rashmi is a network operations engineer who loves understanding the intricacies of company infrastructure. She holds an M.S. in Electrical Engineering, specializing in Computer Networking. Outside of work she loves to cook, paint, play piano and practices yoga regularly to maintain a healthy work life balance.

    team

    Rebecca Aguilar

    Compliance

    Rebecca partners with clients to facilitate bank and network approvals. Rebecca previously managed onboarding and compliance of Mastercard’s Send customers, where she streamlined due diligence processes and developed a passion for supporting innovative Fintech solutions. In her spare time, she practices zero waste and loves dancing salsa and tango.

    team

    Sarah Robinson

    Engineering

    Sarah is a backend software engineer with a passion for designing and building complex infrastructure. She holds a computer science degree from Stanford, where she specialized in Artificial Intelligence. On the weekends, she loves to bake, exercise, and spend time with her dogs.

    team

    Sudha Rampiara Lal

    Business Operations

    Sudha helps clients manage their chargebacks and has a passion for Fintech. She has over 10 years of experience, most recently as a business development professional at HTC Global Services. She holds an MBA from Anna University. When she’s not working on chargebacks, she is a master chef with an interest in nutrition and fitness.

    team

    Swati Khemka

    Business Operations

    Swati helps onboard clients, coordinating approvals at banks and networks. She graduated in Commerce from SP College, Maharashtra, India. In her spare time, she loves all forms of art including dancing, singing, designing, painting.

    team

    Thu Huong Vu

    Engineering

    Thu is a front-end software engineer who loves to design and build simple, attractive interfaces. She previously worked as a simulation engineer at a technology consulting firm in Singapore and holds an MS degree in Statistics. In her spare time, she loves to draw.

    team

    Vishakha Prasad

    Engineering

    Vishakha is a QA/Support Engineer who is dedicated to using her technical knowledge to solve clients' problems and help them achieve success. She previously worked as a database developer at PulseTrip. She holds a Bachelor's degree in Computer Science and Economics and a Master's degree in Economics

    next
    previous
    team

    Angela Zhu

    Engineering

    Angela is a software engineer who is passionate about building software, tackling complex problems and designing beautiful interfaces. She has a MS and BS degree in engineering from UC Berkeley. Outside of coding, she loves traveling (she has lived in Japan, Germany and China), cooking and playing board games.

    team

    Anu Madhura

    Technical Operations & Customer Success

    Anu is a technical operations & customer success engineer who loves working with clients to solve their problems. She has more than 8 years of payments experience. Most recently, she was a Senior QA engineer at Samsung Pay and previously was an engineer at Mastercard and payments company, Omney. Outside of work, she loves to garden and spend time with family.

    team

    Diana Garcia

    Business Operations

    Diana is responsible for helping clients manage their chargebacks. She has over 6 years of experience in customer care and chargeback resolutions. She holds a degree in Criminal Justice. When she’s not managing chargebacks, she loves to travel with her kids.

    team

    Joel Zaragoza

    Network Operations

    Joel is a system administrator on the Operations team. He previously held Technical Operations and Systems Support roles at Uber, Dropbox, and Cisco. Joel holds an electrical engineering degree from UC-Davis. Outside of work, Joel is a published songwriter.

    team

    Lilette Uriarte

    Finance

    Lilette is an accountant, specializing in treasury, compliance, and accounting. She has over 20 years of accounting experience and has advised numerous start up and early-stage companies. Most recently, she served as Senior Accounting Manager at TincFinance, a finance and accounting firm. In her spare time, Lilette loves to travel, cook and ski.

    team

    Rashmi Gonde

    Network Operations

    Rashmi is a network operations engineer who loves understanding the intricacies of company infrastructure. She holds an M.S. in Electrical Engineering, specializing in Computer Networking. Outside of work she loves to cook, paint, play piano and practices yoga regularly to maintain a healthy work life balance.

    team

    Rebecca Aguilar

    Compliance

    Rebecca partners with clients to facilitate bank and network approvals. Rebecca previously managed onboarding and compliance of Mastercard’s Send customers, where she streamlined due diligence processes and developed a passion for supporting innovative Fintech solutions. In her spare time, she practices zero waste and loves dancing salsa and tango.

    team

    Sarah Robinson

    Engineering

    Sarah is a backend software engineer with a passion for designing and building complex infrastructure. She holds a computer science degree from Stanford, where she specialized in Artificial Intelligence. On the weekends, she loves to bake, exercise, and spend time with her dogs.

    team

    Sudha Rampiara Lal

    Business Operations

    Sudha helps clients manage their chargebacks and has a passion for Fintech. She has over 10 years of experience, most recently as a business development professional at HTC Global Services. She holds an MBA from Anna University. When she’s not working on chargebacks, she is a master chef with an interest in nutrition and fitness.

    team

    Swati Khemka

    Business Operations

    Swati helps onboard clients, coordinating approvals at banks and networks. She graduated in Commerce from SP College, Maharashtra, India. In her spare time, she loves all forms of art including dancing, singing, designing, painting.

    team

    Thu Huong Vu

    Engineering

    Thu is a front-end software engineer who loves to design and build simple, attractive interfaces. She previously worked as a simulation engineer at a technology consulting firm in Singapore and holds an MS degree in Statistics. In her spare time, she loves to draw.

    team

    Vishakha Prasad

    Engineering

    Vishakha is a QA/Support Engineer who is dedicated to using her technical knowledge to solve clients' problems and help them achieve success. She previously worked as a database developer at PulseTrip. She holds a Bachelor's degree in Computer Science and Economics and a Master's degree in Economics

    next
    logo

    Copyright © 2017-2021.
    TabaPay, Inc. All Rights Reserved.