TabaPay is an instant money‑movement platform built for regulated industries. Founded by payments industry veterans, the company provides a single API that lets businesses accept, send, and monitor real‑time payments via credit/debit cards, bank accounts, and real‑time networks (RTP, FedNow, Visa Direct, Mastercard Moneysend). The platform serves lenders, gaming operators, digital banks, on‑demand payroll providers, healthcare companies, remittance firms, and subscription merchants. TabaPay processes more than $100 billion in annualized payment volume and is relied upon by one in three U.S. households. It is ranked among the top five U.S. online payment processors. The company’s infrastructure includes direct connections to card networks, least‑cost routing, specialized interchange programs, and built‑in compliance tools (3D Secure, AML transaction reports, fraud monitoring). TabaPay is a PCI Level 1 Service Provider and holds SOC 1 Type II and SOC 2 Type II certifications. Headquartered in the United States (exact city not publicly confirmed), TabaPay employs approximately 150+ people. The company has raised funding through at least one round (most recent round in October 2025, with a disclosed round in February 2026 per Tracxn). Its clients include Current, Branch, Usio, Sparrow, and ATM.com.
Detailed Review
History and Founding
TabaPay was co‑founded by Rodney Robinson, Manoj Verma, and Marvin Mah to solve a persistent problem: moving money instantly in regulated industries is complex, expensive, and poorly supported by legacy financial infrastructure. Robinson, a four‑time founder and CEO who previously sold companies to Intuit and Mastercard, brought 40+ years of experience in internet financial services. Verma, an experienced sales executive from Amazon, Yahoo!, and IAC, leads revenue strategy. Mah, a fintech executive with 30+ years in technical leadership (including CTO at Omney and IBM), drove the platform’s architecture.
Products and Capabilities
The company’s core product is a Unified API that supports both “push” (payouts) and “pull” (payment acceptance) transactions. It connects directly to card networks and real‑time payment rails, enabling settlement in seconds rather than days. Key capabilities include real‑time payments (RTP) via the TCH’s RTP network, Push to Card using Visa Direct and Mastercard Moneysend, Push to Account transfers in over 150 countries, FedNow (coming soon), fraud and compliance tools (3D Secure, AML daily reports, transaction‑limit controls, AVS, ANI, and real‑time monitoring), and least‑cost routing that automatically selects the most cost‑effective network for each transaction.
TabaPay processes over $100 billion in annualized payment volume and is trusted by more than one in three U.S. households. The platform is PCI Level 1, SOC 1 Type II and SOC 2 Type II certified. It offers bank partnerships that simplify multi‑bank sponsorship for clients.
Use Cases and Clients
The company serves a wide range of use cases: lending (instant loan disbursement and repayment with lower NSF rates and fraud), gaming (instant deposits and withdrawals for iGaming operators), on‑demand payroll (earned‑wage access and gig‑worker payouts), digital banking (account funding, transfers, and instant payouts), healthcare (compliant medical bill payments and reimbursements), remittance (cross‑border transfers to over 195 countries), platforms (embedded payments for marketplaces), and recurring billing (subscription payments). Notable clients include Current, Branch, Usio, Sparrow, and ATM.com.
Leadership
The executive team, beyond the founders, includes Chief Product Officer Tim Astanov, Chief Risk Officer Meeta Pandya, and Chief Information Security Officer Brian J. Costello. TabaPay continues to expand its product line, most recently announcing a referral partnership with IPSI in the online gaming space in March 2026.
Key Products
Unified API
Single API for push (payouts) and pull (payments) across cards, bank accounts, and real‑time networks.
Real‑Time Payments (RTP)
Instant settlement via the Clearing House’s RTP network.
Push to Card
Funds sent instantly to any debit card using Visa Direct / Mastercard Moneysend.
Push to Account
Bank‑account transfers in 150+ countries.
FedNow
Federal Reserve’s real‑time rail (coming soon).
Fraud & Compliance Tools
3D Secure, AML transaction reports, transaction‑limit controls, AVS, ANI, and real‑time monitoring.
Least‑Cost Routing
Automatic network selection to minimise costs.
Bank Sponsorships
Multi‑bank sponsorship model for regulatory coverage and network reliability.
Offices & Headcount
150 employees (approx.)
Key Persons
- Marvin Mah
Chief Technology Officer & Co-Founder
- Rodney Robinson
CEO & Co-Founder