# TabaPay

**Canonical:** https://apis.io/providers/tabapay/  
**Website:** https://tabapay.com  
**APIs profiled:** 16

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.

## Kin Score — 54.5 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 54.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 55.6 |
| Governance | 20.8 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 79.9 |
| Commercial Clarity | 42.1 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 57.9 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (16)

- **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 TransactionRequest API** — This resource represents a TransactionRequest One-time Payment Portal (<<glossary:OTPP>>)
- **TabaPay User API** — This resource represents a Client's User.
- **TabaPay Verification API** — This resource represents a Client's Verification.

## MCP servers (1)

- **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.

## Security (2)

- **Tabapay Authentication** — apiKey/http · 2 schemes
- **Tabapay Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Instant Payments, Money Movement, Payouts, Cards, Real-Time Payments, ACH

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tabapay/). Scores are computed from the provider's own public artifacts under a published rubric.