TabaPay website screenshot

TabaPay

TabaPay is an instant money movement platform for fintechs, banks, and payment companies. One Unified API accepts payments (pull) and sends payouts (push) across debit and credit card networks (Visa, Mastercard, Discover, American Express, Accel, STAR), RTP by The Clearing House, and ACH, with cross-border push-to-card, 3D Secure, account verification (AVS, ANI, OFAC), tokenized card storage, KYB/KYC verifications, ledgers, and real-time transaction monitoring. TabaPay is a PCI DSS Level 1 service provider, SOC 1 and SOC 2 Type II certified, and backed by SoftBank Vision Fund. APIs are not publicly self-serve: clients board through TabaPay and receive a dedicated FQDN plus bearer credentials for sandbox and production.

TabaPay publishes 16 API contracts indexed on the APIs.io network, including 3D Secure API, Account API, Bank API, and 13 more. Tagged areas include Company, Fintech, Payments, Instant Payments, and Money Movement.

The TabaPay catalog on APIs.io includes 1 Spectral governance ruleset.

TabaPay’s developer surface includes authentication, documentation, API reference, getting-started guide, support, engineering blog, changelog, and 28 more developer resources.

54.9/100 strong ▬ flat Agent 43/100 agent native Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
1 published contract 1 MCP Servers 3 Agent Skills
CompanyFintechPaymentsInstant PaymentsMoney MovementPayoutsCardsReal-Time PaymentsACH

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for TabaPay It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/tabapay/"><img src="https://apis.io/badge/tabapay/card.svg" alt="TabaPay on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
  • Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
  • A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
  • Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
  • Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
  • Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
  • Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
6 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/tabapay/apis.yml: open an issue on github.com/api-evangelist/tabapay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

MarketPositionDepthRegistered MCP serverDeclares compatibility
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada) regulated 19.2 (thin) - -

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified
measured — observed by APIs.io (verified)
measured — observed by APIs.io (published)

APIs 16

Individual APIs this provider publishes, each with its own machine-readable definition.

TabaPay 3D Secure API

The 3D Secure API from TabaPay — 3 operation(s) for 3d secure.

TabaPay Account API

This resource represents a Client's Account.

TabaPay Bank API

This resource represents a Bank.

TabaPay Card API

This resource represents a Payment Card (Debit Card, PrePaid Card, or Credit Card).

TabaPay Client API

This resource represents a Client.

TabaPay FXRate API

This resource represents an FX Rate.

TabaPay Health API

The Health API from TabaPay — 2 operation(s) for health.

TabaPay Key API

This resource represents an RSA Encryption Key.

TabaPay Ledger API

This resource represents a Client's Ledger.

TabaPay OFAC API

This resource represents a Name on the OFAC Sanctions List.

TabaPay SubClient API

This resource represents a Client's SubClient.

TabaPay Tag API

The Tag API from TabaPay — 1 operation(s) for tag.

TabaPay Transaction API

This resource represents a Client's Transaction.

TabaPay User API

This resource represents a Client's User.

TabaPay Verification API

This resource represents a Client's Verification.

TabaPay Transaction Request API

This resource represents a TransactionRequest One-time Payment Portal (>)

Scroll for all 16

Open Collections 16

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Scroll for all 16

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

TabaPay Developers MCP Server

Official hosted MCP server at https://developers.tabapay.com/mcp (Streamable HTTP) — list/search/get endpoints from the API reference and execute live requests.

MCP SERVER

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

TabaPay API pricing

Rate limits

Rate-limit details →

Rate Limits 1

Documented rate limits and quota policies.

Tabapay Rate Limits

2 limits

RATE LIMITS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

TabaPay API Rules

61 rules · 48 errors 9 warnings 4 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Tabapay Openapi Overlay

2 actions · update · tabapay-openapi.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Tabapay Authentication

apiKey/http · 2 schemes

SECURITY

Tabapay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: tabapay
name: TabaPay
description: 'TabaPay is an instant money movement platform for fintechs, banks, and payment companies. One Unified API accepts
  payments (pull) and sends payouts (push) across debit and credit card networks (Visa, Mastercard, Discover, American Express,
  Accel, STAR), RTP by The Clearing House, and ACH, with cross-border push-to-card, 3D Secure, account verification (AVS,
  ANI, OFAC), tokenized card storage, KYB/KYC verifications, ledgers, and real-time transaction monitoring. TabaPay is a PCI
  DSS Level 1 service provider, SOC 1 and SOC 2 Type II certified, and backed by SoftBank Vision Fund. APIs are not publicly
  self-serve: clients board through TabaPay and receive a dedicated FQDN plus bearer credentials for sandbox and production.'
url: https://raw.githubusercontent.com/api-evangelist/tabapay/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- softbank-vision-fund
x-tier: enriched
x-tier-reason: enrichment-pipeline
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://cdn.prod.website-files.com/69d506915e199fb590336928/69efd4e2e784c73028ca53f7_Website.svg
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Company
- Fintech
- Payments
- Instant Payments
- Money Movement
- Payouts
- Cards
- Real-Time Payments
- ACH
apis:
- aid: tabapay:tabapay-3d-secure-api
  name: TabaPay 3D Secure API
  description: The 3D Secure API from TabaPay — 3 operation(s) for 3d secure.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - 3D Secure
  properties:
  - type: OpenAPI
    url: openapi/tabapay-3d-secure-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-account-api
  name: TabaPay Account API
  description: This resource represents a Client's Account.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Account
  properties:
  - type: OpenAPI
    url: openapi/tabapay-account-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-bank-api
  name: TabaPay Bank API
  description: This resource represents a Bank.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Bank
  properties:
  - type: OpenAPI
    url: openapi/tabapay-bank-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-card-api
  name: TabaPay Card API
  description: This resource represents a Payment Card (Debit Card, PrePaid Card, or Credit Card).
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Cards
  tags_raw:
  - Card
  properties:
  - type: OpenAPI
    url: openapi/tabapay-card-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-client-api
  name: TabaPay Client API
  description: This resource represents a Client.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Clients
  tags_raw:
  - Client
  properties:
  - type: OpenAPI
    url: openapi/tabapay-client-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-fxrate-api
  name: TabaPay FXRate API
  description: This resource represents an FX Rate.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - FXRate
  properties:
  - type: OpenAPI
    url: openapi/tabapay-fxrate-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-health-api
  name: TabaPay Health API
  description: The Health API from TabaPay — 2 operation(s) for health.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/tabapay-health-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-key-api
  name: TabaPay Key API
  description: This resource represents an RSA Encryption Key.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Key
  properties:
  - type: OpenAPI
    url: openapi/tabapay-key-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-ledger-api
  name: TabaPay Ledger API
  description: This resource represents a Client's Ledger.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Ledger
  properties:
  - type: OpenAPI
    url: openapi/tabapay-ledger-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-ofac-api
  name: TabaPay OFAC API
  description: This resource represents a Name on the OFAC Sanctions List.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - OFAC
  properties:
  - type: OpenAPI
    url: openapi/tabapay-ofac-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-subclient-api
  name: TabaPay SubClient API
  description: This resource represents a Client's SubClient.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - SubClient
  properties:
  - type: OpenAPI
    url: openapi/tabapay-subclient-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-tag-api
  name: TabaPay Tag API
  description: The Tag API from TabaPay — 1 operation(s) for tag.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Tag
  properties:
  - type: OpenAPI
    url: openapi/tabapay-tag-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-transaction-api
  name: TabaPay Transaction API
  description: This resource represents a Client's Transaction.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Transaction
  properties:
  - type: OpenAPI
    url: openapi/tabapay-transaction-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-user-api
  name: TabaPay User API
  description: This resource represents a Client's User.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - User
  properties:
  - type: OpenAPI
    url: openapi/tabapay-user-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-verification-api
  name: TabaPay Verification API
  description: This resource represents a Client's Verification.
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Verification
  properties:
  - type: OpenAPI
    url: openapi/tabapay-verification-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
- aid: tabapay:tabapay-transaction-request-api
  name: TabaPay Transaction Request API
  description: This resource represents a TransactionRequest One-time Payment Portal (>)
  humanURL: https://developers.tabapay.com/reference/getting-started
  baseURL: https://api.tabapay.com
  tags:
  - Transaction Request
  properties:
  - type: OpenAPI
    url: openapi/tabapay-transaction-request-api-openapi.yml
  - type: Documentation
    url: https://developers.tabapay.com/docs/learn-more
  - type: APIReference
    url: https://developers.tabapay.com/reference/getting-started
common:
- type: AgentSkill
  url: skills/tabapay-3ds-transaction.md
- type: Overlay
  url: overlays/tabapay-openapi-overlay.yaml
- type: SDKs
  url: https://developers.tabapay.com/reference/client
- type: DomainSecurity
  url: security/tabapay-domain-security.yml
- type: Authentication
  url: authentication/tabapay-authentication.yml
- type: Website
  url: https://tabapay.com
- type: DeveloperPortal
  url: https://developers.tabapay.com/
- type: Documentation
  url: https://developers.tabapay.com/docs/learn-more
- type: APIReference
  url: https://developers.tabapay.com/reference/getting-started
- type: GettingStarted
  url: https://developers.tabapay.com/docs/starter-guide
- type: Support
  url: https://tabapay.zendesk.com/hc/en-us/requests/new
- type: Blog
  url: https://tabapay.com/blog
- type: StatusPage
  url: https://status.tabapay.com
- type: TermsOfService
  url: https://tabapay.com/terms-of-service
- type: PrivacyPolicy
  url: https://tabapay.com/privacy
- type: Login
  url: https://clientcentral.tabapay.net/dashboard/authentication/
- type: PostmanCollection
  url: https://www.postman.com/tabapaydevs/workspace/tabapay-developers
- type: ChangeLog
  url: changelog/tabapay-changelog.yml
- type: LLMsTxt
  url: llms/tabapay-llms.txt
- type: MCPServer
  url: mcp/tabapay-mcp.yml
  name: TabaPay Developers MCP Server
  description: Official hosted MCP server at https://developers.tabapay.com/mcp (Streamable HTTP) — list/search/get endpoints
    from the API reference and execute live requests.
- type: Packages
  url: packages/tabapay-packages.yml
- type: SDKs
  url: packages/tabapay-packages.yml
- type: WellKnown
  url: well-known/tabapay-well-known.yml
- type: Conformance
  url: conformance/tabapay-conformance.yml
- type: Compliance
  url: https://developers.tabapay.com/reference/pcisoc
- type: ErrorCatalog
  url: errors/tabapay-problem-types.yml
- type: DeclineCodes
  url: errors/tabapay-decline-codes.yml
- type: Lifecycle
  url: lifecycle/tabapay-lifecycle.yml
- type: Sandbox
  url: sandbox/tabapay-sandbox.yml
- type: Conventions
  url: conventions/tabapay-conventions.yml
- type: Idempotency
  url: conventions/tabapay-conventions.yml
- type: RateLimits
  url: rate-limits/tabapay-rate-limits.yml
- type: Components
  url: components/tabapay-components.yml
- type: DataModel
  url: data-model/tabapay-data-model.yml
- type: AgentSkills
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 22
  pass: local-v1

TabaPay API — frequently asked questions

Does TabaPay have an API?

Yes. APIs.io lists 16 APIs from TabaPay, including TabaPay 3D Secure API, TabaPay Account API and TabaPay Bank API, and 13 more.

Is there an OpenAPI specification for the TabaPay API?

Yes. APIs.io indexes 16 OpenAPI specifications for TabaPay, each linked for download from this page.

How do I authenticate with the TabaPay API?

TabaPay uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Tabapay Authentication.

Does TabaPay have an MCP server?

Yes. APIs.io lists 1 MCP server for TabaPay: Official hosted MCP server at https://developers.tabapay.com/mcp (Streamable HTTP) — list/search/get endpoints from the API reference and execute live requests.

Is the TabaPay API ready for AI agents?

TabaPay has a Kin Score of 54.9 out of 100 (strong) and an Agent Readiness score of 43.1 (agent-native), scored by API Evangelist on 2026-11-06.

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