Instant Collections

Collect payments in real time, while achieving one of the industry's lowest decline and chargeback rates.

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Ranked a top debit processor

in the U.S. by Nilson Report

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With TabaPay, collect money with confidence. With our specialized technology and focus in Fintech, we help lower your decline and chargeback rates.

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Industries Served

Industries Served

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 your money. On average, clients save 50% in processing fees when they switch to TabaPay.

Intelligent Least Cost Routing Technology

Intelligent Least Cost
Routing Technology

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

Unique Interchange Categories

Unique Interchange

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

Payment Optimization


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

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Same-day settlement

Get paid same day or next day. With our daily morning and evening settlement cycles, get funds soon after the payment is submitted.

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2:45 AM PT
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6:00 AM PT
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10:00 AM PT

*example payment

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 our card entry methods that support your customer's needs

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

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

24/7/365 payments without disruptions

Payments whenever you need. TabaPay has built one of the most reliable and secure payments platforms in the world.

Network connections

Fully redundant and direct network connections

Disburse payments

Disburse on evenings, weekends, and holidays

Service Uptime

99.99% service uptime

SOC 2 TYPE 2 AICPA SOC - American Institute of Certified Public Accountants Service Organizations Certificate BSA-AML ( Bank Secrecy Act Anti-Money Laundering )

Customer provides debit card or account number for payment.

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TabaPay’s API provides you with card type, speed (instant or delayed), limit, and fee prior to disbursing funds.

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TabaPay routes the transaction to one of 10+ networks including Visa, MasterCard, Discover. Can optimize the payment based on speed and cost requirements.

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Customer makes payment

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Ready to get started?

Contact TabaPay for a quick review of your specific use cases.

Our Team

Frequently Asked Questions

What cards are supported?

Any Visa, MasterCard, or Discover debit or credit card issued by a U.S. or Canadian financial institution. Consumer and small business cards are also supported.

How long is setup?

It typically takes a few weeks to go live with TabaPay’s instant payments program. We’ll work with you to create a customized payments solution for your specific use case and guide you through our API connection and bank and network approvals.

What is the process to get started?

Integrate one unified API to support all of your payment needs, including disbursements, collections, and account funding. Access our APIs at

Is there anything I need to do?

Click here for a quick review of your use case.