Instant Collections

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

$15bn+

Processed

200m+

Transactions

1,400+

Clients

Ranked a top debit processor

in the U.S. by Nilson Report

Trusted by over 1,400 companies

Collect Funds Instantly

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

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

Industries Served

Lenders

Loan services

Early wage access

Leasing companies

Drive more revenue with TabaPay

Our clients collect more money with TabaPay, even with higher risk programs.

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

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, our clients save 50% in processing fees when they switch TabaPay.

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

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.

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

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.

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.

2:45 AM PT

Payment submitted to TabaPay

6:00 AM PT

TabaPay settles

10:00 AM PT

Company receives funds

*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

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

Simple integration with no increased PCI compliance, if you already issue cards with  

TabaPay is directly integrated with Galileo, one of the largest issuer processors. For Galileo customers, this means you can fund your customers’ accounts, without worrying about increased PCI scope.

One API supports all of your payments needs

ANY METHOD

Debit and Credit Card

Bill Payment

RTP

ACH

ANY DEVICE

Online

Mobile App

Bank Branches

Call Centers

ANYWHERE

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.

Fully redundant and direct network connections

Disburse on evenings, weekends, and holidays

99.99% service uptime

How it works:

Customer provides debit card or account number for payment.

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

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