TabaPay
TabaPay provides a unified API for instant money movement — push-to-card, push-to-bank, and account funding — connecting fintechs and financial institutions directly to 15+ card networks and bank rails including Visa Direct, Mastercard Send, RTP, FedNow, and ACH.
- Company typePrivate
- Founded2017
- HeadquartersMountain View, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What TabaPay does
TabaPay, Inc. is a privately held US fintech founded in 2017 and headquartered in Mountain View, California, that provides unified money-movement infrastructure for fintechs and financial institutions operating in regulated industries. The company is built around a single Unified API that connects directly to 14+ card networks (Visa Direct, Mastercard Send, Discover, American Express via OptBlue, Pulse, STAR) and bank rails (RTP, FedNow, ACH), and is anchored by 20+ banking partner relationships that provide sponsor bank and acquiring bank coverage as well as least-cost routing. Core product modules include Accept Payments (pull transactions for account funding, debt repayment, and recurring billing), Send Payouts (push-to-card and push-to-bank disbursements), and TabaPay Shield (real-time fraud monitoring leveraging data from over 100 million cards and accounts, including AVS, ANI, 3DS, CVV2, duplicate card checks, and OFAC screening). Reported scale metrics include $100 billion in annualized payment volume processed, 200 million+ AFT transactions and $22 billion+ AFT value annually, 99.99%+ uptime, and reach to 1-in-3 US households through client end-customers. The platform is PCI Level 1, SOC 1 Type II, SOC 2 Type I, and SOC 2 Type II certified, and the subsidiary TabaPay Payment Services LLC holds NMLS ID #2539914 and is CCPA-compliant in Canada.
TabaPay monetizes via transaction fees under two pricing models — interchange-plus (recommended for larger-ticket transactions) and flat-rate — both delivered through a pay-as-you-go cadence. Distribution is API-first with white-glove enterprise onboarding for regulated verticals; the company serves more than 2,000 fintechs and financial institutions across lending, gaming, on-demand payroll, digital banking, healthcare, remittance, marketplaces, and recurring billing. Named enterprise customers include Klarna, SoFi, Dave, ADP, Remitly, Coinstar, Current, Branch, Sparrow, and Usio. The company is backed by SoftBank Vision Fund 2 (invested March 2022) and in July 2024 acquired assets from Synapse Financial Technologies to broaden platform capabilities. The management team is led by co-founders Rodney Robinson (CEO), Manoj Verma (CRO), and Marvin Mah (CTO), with additional CXOs drawn from Visa, Discover, Wells Fargo, Google, Block, and Plaid.
Operational momentum is visible in 2025–2026 activity: a referral and partnership agreement with IPSI targets the $150 billion online gaming transaction market (October 2025), a Payzli partnership extends rails into credit, debit, real-time bank-to-bank, and crypto (November 2025), a three-year contract extension with Pathward Financial was executed post Q2 2026, and a Coinstar Transfer to Account expansion places TabaPay rails behind more than 10,000 retail kiosks nationwide (May 2026). These moves signal active vertical and channel expansion rather than core business contraction, though the company has not publicly disclosed revenue, and its annualized payment volume figures reflect gross flow rather than retained yield.
TabaPay firmographics
Firmographics- Name
- TabaPay
- Legal name
- TabaPay, Inc.
- Website
- https://tabapay.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- TabaPay provides a unified API for instant money movement — push-to-card, push-to-bank, and account funding — connecting fintechs and financial institutions directly to 15+ card networks and bank rails including Visa Direct, Mastercard Send, RTP, FedNow, and ACH.
- Ownership category
- akta.pro rank
TabaPay industry classification
Industry- Product category
- Payment Processing Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)
Keywords
Where TabaPay is headquartered
LocationHeadquarters
- HQ city
- Mountain View
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
TabaPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales
Revenue model
- Payment Processing Fees: TabaPay charges transaction fees for processing payments and payouts. The company uses cost-plus pricing model for push-to-card transactions, taking advantage of strong relationships with card networks to drive down interchange and network fees.
- Interchange-Plus Pricing: Offers interchange-plus pricing model alongside flat-rate options. Cost-plus model is typically preferable for larger ticket transactions as it avoids percentage-based fees that quickly add up.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Pay-as-you-go | Cost-Plus Pricing |
| Transaction based/ take rate | Pay-as-you-go | Flat Rate Pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
TabaPay product offering
Product offeringCore offering
TabaPay provides a unified API platform for instant money movement across card networks and bank rails including Visa, Mastercard, RTP, FedNow, and ACH. The company enables businesses to accept payments via cards and bank accounts (pull transactions) and send instant payouts to debit cards and bank accounts (push transactions). Its infrastructure is designed for regulated industries such as lending, gaming, payroll, digital banking, remittance, and platforms, with built-in risk and fraud management powered by data from over 100 million cards.
Product overview
TabaPay offers a unified money movement platform designed for regulated industries, comprising three core product modules: Accept Payments (for pull transactions including account funding and bill payments), Send Payouts (for push-to-card and push-to-bank disbursements), and TabaPay Shield (risk and fraud management). These products are delivered through a single Unified API that connects to multiple card networks (Visa, Mastercard, Discover, American Express, Pulse, STAR) and bank rails (RTP, FedNow, ACH). The platform is complemented by the TabaPay Portal for transaction monitoring and reporting, and is backed by 20+ banking partners to provide resilience and use-case flexibility.
Differentiator
Problem solved
Functional benefit
Products and services
- Accept Payments Enables businesses to accept payments from customers via cards and bank accounts, including instant pull payment capabilities for account funding, debt repayment, and subscriptions. Designed for fintechs and financial institutions in regulated industries.
- Send Payouts Push-to-card and push-to-bank payment solution enabling instant disbursements to customers via debit cards and bank accounts, supporting both domestic and international transactions. Built for instant payouts in lending, payroll, digital banking, and remittance use cases.
- TabaPay Shield Risk and fraud management platform providing real-time transaction monitoring, AVS, ANI, 3DS, CVV2 verification, duplicate card checks, OFAC screening, and chargeback management. Powered by data from over 100 million cards and accounts, it reduces fraud rates 33% below industry benchmarks.
- TabaPay Portal Client dashboard for monitoring transactions, viewing reports, managing users, processing invoices, and accessing real-time monitoring and blocking capabilities. Provides operational visibility into the TabaPay payment platform.
- Unified API Single API connecting to multiple card networks (Visa, Mastercard, Discover, American Express, Pulse, STAR) and bank rails (RTP, FedNow, ACH) enabling both push and pull transactions across all payment rails through one integration.
- The TabaPay Platform Integrated money movement platform combining Accept Payments, Send Payouts, and TabaPay Shield with direct network connections, 20+ banking partners, and compliance infrastructure. Delivers instant, compliant money movement for regulated industries.
Quantifiable outcome
- 99.99%+ uptime for bill repayment
- +8 more outcomes
Companies that use TabaPay
Customer profileNamed customers13 records
Segments8 records
Ideal customer profiles4 records
TabaPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
Feature8 records
TabaPay partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, strategic and supporting.
- CoinstarcoreExpanded partnership to enhance Transfer to Account service, enabling consumers to transfer cash or coins directly to any eligible U.S. debit card across more than 10,000 Coinstar kiosks nationwide.
- Evolve Bank & TrustcoreProvides open banking infrastructure for compliant, secure transactions in partnership with TabaPay and Coinstar for Transfer to Account service.
- Pathward FinancialcoreThree-year contract extension executed with TabaPay after Q2 2026 quarter close. Pathward provides sponsor bank services.
- Innovative Payment Solutions (IPSI)strategicReferral and Partnership Agreement for IPSI to integrate TabaPay's instant payment platform for online gaming, sportsbook, and digital commerce markets, accessing a $150 billion online gaming transaction market.
- VisacoreDirect connections to Visa network for push-to-card via Visa Direct, AFTs, OCTs, and other payment services. Visa+ integration for P2P wallet interoperability.
- MastercardcoreDirect connections to Mastercard network for push-to-card via Mastercard Send and other payment services.
- RTP (The Clearing House)coreReal-Time Payments network for instant bank-to-bank transfers, enabling push and pull transactions 24/7/365.
- FedNowcoreFederal Reserve instant payment service for real-time bank transfers, providing redundancy alongside RTP.
- Regional ATM NetworkssupportingConnections to regional ATM debit networks (PULSE, STAR, Discover) for broader card acceptance and routing flexibility.
Scale indicators17 records
Recent moves6 records
Expansion highlights6 records
TabaPay competitors and assessment
Company assessmentEmerging players
- Synctera: Synctera is an embedded banking / BaaS platform with sponsor-bank partnerships that can route payments and disburse funds. It is an emerging player in TabaPay's space, particularly for community banks and fintechs looking for combined account + payout infrastructure.
Direct peers
- Galileo Financial Technologies: Galileo (owned by SoFi) provides payment processing and card issuing infrastructure for fintechs and neobanks. It powers account funding, disbursements, and card programs for many of the same types of customers TabaPay serves, with overlapping fintech-bank partnership integrations.
- Orum: Orum provides a payment intelligence platform that uses RTP and FedNow rails for instant bank-to-bank disbursements. It directly competes with TabaPay for earned-wage access, lender disbursements, and gig/platform instant payouts.
- Marqeta: Marqeta provides card issuing and money movement APIs with direct network connections, including push-to-card via Mastercard Send and Visa Direct. It competes directly in disbursements and real-time account funding for fintechs, BNPL, and gig-economy platforms like Klarna and Branch.
- Finix: Finix is a payment infrastructure provider enabling businesses to send and receive payments via unified APIs across card networks and bank rails. It competes head-to-head with TabaPay on multi-rail payout / disbursement APIs for fintechs and marketplaces.
- Modern Treasury: Modern Treasury is a payment operations platform offering unified APIs for bank rails (RTP, FedNow, ACH, wire) plus ledgering. It directly overlaps TabaPay's push/pull money movement offering for fintechs and digital platforms, competing for the same enterprise developer-led buyer.
- Dwolla: Dwolla provides a payment API focused on bank-to-bank transfers (ACH, RTP, FedNow) and instant account verification. It targets similar fintech and platform buyers as TabaPay's bank-rail pieces, particularly for recurring and disbursement use cases.
- Column (formerly Lendio): Column (formerly known as its instant-payments bank charter work) is a developer-first bank chartered to enable real-time disbursements and A2A payments. It overlaps with TabaPay's push-to-bank and instant payout offering for platforms and lenders.
Broad incumbents
- Plaid: Plaid is a broad incumbent in account connectivity and is expanding into payments initiation and balance/money movement. It competes with TabaPay's Pull/AFT functionality and increasingly with its bank-rail integrations for fintechs.
- Stripe Payments: Stripe is a broad incumbent offering payments, Treasury, Connect (marketplace payouts), and Issuing. It overlaps with TabaPay on payouts and instant disbursements but as part of a much larger payments suite rather than a specialized instant-payouts focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
TabaPay social profiles
Digital presenceTabaPay compliance and trust
Trust signalCompliance5 records
TabaPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
TabaPay leadership team
Management profileNumber of profiles
Profiles12 records
TabaPay subsidiaries and ownership
Company hierarchySubsidiaries1 record
TabaPay funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TabaPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TabaPay
What does TabaPay do?
TabaPay provides a unified API platform for instant money movement across card networks and bank rails including Visa, Mastercard, RTP, FedNow, and ACH. The company enables businesses to accept payments via cards and bank accounts (pull transactions) and send instant payouts to debit cards and bank accounts (push transactions). Its infrastructure is designed for regulated industries such as lending, gaming, payroll, digital banking, remittance, and platforms, with built-in risk and fraud management powered by data from over 100 million cards.
Is TabaPay a public or private company?
TabaPay is a private company. It is classified as venture growth investor backed and is currently operating.
When was TabaPay founded?
TabaPay was founded in 2017. It employs 101 to 250 people.
Where is TabaPay based?
TabaPay is headquartered in Mountain View, United States, in the North America region.
How does TabaPay make money?
Two revenue lines are on record. Payment Processing Fees are the primary driver. The others are interchange-Plus Pricing.
Who are TabaPay's main competitors?
Synctera is listed as an emerging player. Direct peers are Galileo Financial Technologies, Orum, Marqeta, Finix, Modern Treasury, Dwolla and Column (formerly Lendio). Broad incumbents are Plaid and Stripe Payments.
Does TabaPay have an API?
Yes. TabaPay provides a Unified API enabling instant money movement including Accept Payments (pull transactions) and Send Payouts (push transactions) across card networks and bank rails. The API supports features including account funding, disbursements, RTP, ACH, cross-border payments, and real-time fraud monitoring. Developer documentation is at developers.tabapay.com.
What industry is TabaPay in?
TabaPay's product category is Payment Processing Infrastructure. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 52232 and its SIC code is 6199.