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Transaction Integrity - Network Fees

To help avoid negative impacts to cardholders and processing systems caused by erroneous authorizations that are incorrect, not properly reversed or not cleared according to their requirements, Visa and MasterCard have integrity programs to promote good behavior.

You may be familiar with Visa's Processing Integrity Fee program and MasterCard's Transaction Processing Excellence. In a concerted effort to promote and maintain these good authorization practices prescribed by the networks, TabaPay insists all integrating clients are aware of these integrity programs, adhere to them, and understand the implications with avoidance of these programs.

When Visa and MasterCard impose Processing integrity fees when processing integrity requirements are not met, TabaPay will pass these fees to integrating clients.

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Avoiding Network Fees using Create Transaction for "Pull"

In order to avoid network fees on transactions for integrity reasons, here are some tips:

  • Have checks in place to prevent re-use of PANs when they are used by "suspicious" accountholders.
  • Do not re-try transactions that have been errored out by the network especially those involving lost or stolen cards.

Visa Excessive Retry Fees

Criteria for MIT vs CIT.

Visa SIF program changes

Visa excessive retry fees applies to:

  • any reattempted transaction after receiving a Category 1 decline response.
  • The 21st consecutive and subsequent reattempted transactions after receiving a Category 2 – 4 decline response within a 30-day period.
  • Transactions where the merchant and the card issuer or cardholder are located within the U.S.

Category

Network Response Codes

Conditions

Category 1 - Issuer Will Never Re-approve Attempts

Category 1 decline response codes indicate the card is blocked for use or never existed and means there is no circumstance in which the Issuer will grant an approval. TabaPay clients must not reattempt a transaction declined with a Category 1 decline response code; any reattempt to authorize will be assessed a fee.

Response codes that indicate the account never existed or is permanently blocked including lost or stolen account numbers. This category also includes decline codes that indicate the transaction is not permitted due to permanent product/regulatory restrictions or transaction error.

Decline Response Codes:

  • 04 (Pickup card)
  • 07 (Pickup card, special conditions)
  • 12 (Invalid transaction)
  • 14 (Invalid account number)
  • 15 (No such issuer)
  • 41 (Pickup card, lost card)
  • 43 (Pickup card, stolen card)
  • 46 (Closed account)
  • 57 (Transaction not permitted to cardholder)
  • R0 (Stop payment order)
  • R1 (Revocation of authorization order)
  • R3 (Revocation of all authorizations)

Re-attempt not allowed.

Category 2 - Excessive Decline Re-attempts

The Visa Rules allow no more than 20 reattempts in a 30-day period. When a TabaPay client resubmits an authorization following an initial decline in excess of this limit, a fee will be assessed to the 21st and each subsequent reattempt.

Response codes that indicate the Issuer cannot approve due to temporary decline condition such as insufficient funds, Issuer velocity controls or other temporary account restrictions. These temporary decline decisions made by Issuers that may change over time and the Issuer may approve a future authorization attem(pt. In some cases, cardholder action is required to remove the restriction before an approval can be obtained.

Decline Response Codes:
03 (Invalid merchant) 19 (Re-enter transaction) 39 (no credit account) 51 (Insufficient funds) 52 (no checking account) 53 (no savings account) 59 (Suspected fraud) 61 (Exceeds withdrawal amount limits) 62 (Restricted card) 65 (Exceeds withdrawal frequency) 75 (Allowable number of PIN-entry tries exceeded) 86 (Cannot verify PIN) 91 (Issuer or switch is inoperative) 93 (Transaction cannot be completed, violation of law) 96 (System malfunction) 5C (Transaction not supported/blocked by issuer) 9G (Blocked by cardholder/contact cardholder) N3 (Cash service not available) N4 (Cash request exceeds issuer limit) Z5 (Valid account but amount not supported)

Re-attempt permitted up to 20 times in 30 days.

Category 3 - Data Quality

TabaPay clients must implement controls to ensure good data quality in authorization requests. When a data quality response code is received, they should revalidate data prior to reattempting the authorization. Pre-validation of payment information, and merchant velocity controls can help to protect against account testing (also known as brute force / enumeration attacks) where fraudsters attempt to determine a valid card, expiration date and CVV2 data.

Response codes that indicate data quality issues where invalid payment or authentication data has been provided and the Issuer may approve if valid information is provided. High occurrences of response codes in these categories may indicate insufficient Merchant risk protection controls such as velocity checks and pre-validation of basic account information (e.g. Mod-10 or expiry date).

Decline Response Codes:
54 (Expired card) 55 (Incorrect PIN) 82 (Negative online CAM, dCVV, iCVV, or CVV results) N7 (Decline for CVV2 failure)

Re-attempt permitted up to 20 times in 30 days.

Category 4 - Generic Response Codes

A majority of decline conditions have descriptive response codes in Category 1, 2 & 3 to indicate the decline reason. However, there may be circumstances where there is not response code value for a specific decline condition. Category 4 includes all other decline response codes, many of which provide little to no value to TabaPay clients as part of their reattempt strategy.

This category includes all other decline response codes, many of which provide little to no value to Acquirers or Merchants in determining their reattempt strategy. Issuer usage should remain minimal.

Decline Response Codes:
Any decline response code not listed in Category 1 – 3.

Re-attempt permitted up to 20 times in 30 days.

MasterCard Transaction Processing Excellence

Integrity Fee

Details

Pre Authorization

When pre-authorizations are not fully reversed or cleared within 30 calendar days of the authorization date.

Undefined Authorization

When undefined authorizations that are not fully reversed or cleared within 7 calendar days of the authorization date

Final Authorization

When final authorizations are not fully reversed or cleared within 7 calendar days of the authorization date or when the final authorization amount does not equal the clearing amount or when the final authorization currency code does not match the clearing currency code

Excessive Authorizations

When authorization attempts after 35 previous issuer declined attempts are made on the same account number within a 30-day period. Refer here.

Nominal Authorizations

For approved nominal amount authorization with a subsequent reversal for transactions under 1 full unit of currency or the equivalent of USD 1, for card-not-present transactions (CNP)

Merchant Advice Codes

When Card-Not-Present (CNP) authorization which is ultimately declined with a merchant advice code (MAC) value of 03 (closed account or fraudulent) or 21 (cardholder cancelled agreement), where in the past 30 days a transaction on the same card, at the same merchant, and with the same transaction amount, was declined with MAC code value of 03 or 21

Detail Reporting

For any authorization that generates a transaction processing excellence fee for pre-authorizations, final authorizations, undefined authorizations, excessive authorizations, nominal authorizations, or merchant advice code.

Best Practices | How to avoid these fees?

📘

Understanding MAC Codes

MasterCard's Transaction Processing Excellence (TPE) program offers these Merchant Advice Codes (MACs). They are a set of codes that Mastercard supports to enable issuers to communicate additional information regarding a transaction response. These codes indicate further actions on subsequent transactions that TabaPay Clients should take to continue serving cardholders.

  • Avoid repeated authorizations when you encounter a failure. Retrying multiple angles through which the transaction can go through may result in integrity fees.
  • Widen fraud mitigation programs Fraudsters are notorious for triggering repeated transactions when they are in possession of a lost or stolen card. TabaPay strongly recommends implementing our fraud programs: (1) AVS/CVV2 Check (2) EMV 3DS (3) Duplicate Card Check (4) Anti-money Laundering controls
  • Implement front-end mitigation programs especially those that are programmatic in nature and ensure repeat authorizations regardless of failure. Anti-spam programs like CAPTCHA on your user experience flows can help avoid a robotic attack, for instance.
  • Understand your customers; guide them through their user experience as they interact with your application. Avoiding clicking on Submit button for instance could stop triggering an additional transaction.
  • Get consumer consent: For consumer transactions, it is important to get consumer consent before placing a transaction request.
  • Send notifications: Try notifying the verified customer phone number or email on your file prior to initiating transactions.

Pulse Network - Retry Rules

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Pulse Excessive Retry Fees

TabaPay Clients will be charged the same authorization cost, for successful or failed, for each additional attempt using Pulse network.

Note: Currently:

  • There is no difference in fees by Category Codes.
  • There are no published maximum number of retries by Category Codes.

TabaPay strongly recommend TabaPay Clients from being judicious about re-trying across Pulse failed Network Response Codes.

Category Response Code Description
Category 1 Do Not Reattempt

Note: The use case for Category 1 is where a card holder is declined due to a closed account. The transaction will not be approved at any time. 		4 Pick-up
7 Pick-up card, special conditions
12 Invalid transaction
14 Invalid card number (no such number)
33 Expired card, pick-up
34 Suspected fraud, pick-up
35 Card acceptor contact acquierer, pick-up
36 Restricted card, pick-up
37 Card acceptor call acquirer security, pick-up
38 Allowable PIN tries exceeded, pick-up
41 Lost card, pick-up
43 Stolen card, pick-up
56 No card record
57 Transaction not permitted to cardholder
58 Transaction not permitted to terminal (may also be a chargeback)
62 Restricted card
63 Security violation (may also be a chargeback)
67 Hard capture, pick-up
78 Customer not eligible for POS
92 Financial institution or intermediate network unknown for routing
93* Transaction cannot be completed, violation of law
94 Duplication transaction
SB Expiration date mismatch (card pickup)
SD Account closed
SE Inegilible account
SG No account on file - absolute
SH Unable to located
SL Stop recurring payments
SS Category limit exceeded
SV Stop paymen torder
T4 Closed account
Category 2 Try Again at a Later Time with same transaction information.

Note: The use case for Category 2 is where a cardholder has insufficient funds at the time of purchase. The transaction may be approved at a later time if the cardholder has adequate funds. 		3 Invalid merchant
13 Closed account
15 Closed account
19* Closed account
40 Closed account
51 Closed account
59 Closed account
61 Closed account
65 Closed account
75 Closed account
90 Closed account
91 Closed account
96 Closed account
NO Closed account
SB Closed account
SA Closed account
SC Closed account
SF Closed account
SJ Closed account
SK Closed account
SM Closed account
SN Closed account
SO Closed account
SQ Closed account
"T" Series Closed account
T3 Closed account
T5 Closed account
T9 Closed account
*Not recommended for use by PULSE issuers. Not supported by all acquires
Category 3 Try Again at a Later Time with Updated Transaction Information

Note: The use case for Category 3 is where an incorrect PIN is entered by the cardholder. The transaction may be approved when the cardholder updates information (enters corrected PIN). 		02* Refer to card issuers special conditions
23 Unacceptable transaction fee
39 No credit account
42 No universal account
44 No investment account
52 No checking account
53 No savings account
54 Expired card
55 Incorrect PIN
66 Card acceptor acquirer security
80 Stale dated transaction
89 Card verification value (CVV) or iCVV verification failed (no pick-up)
N1 Authorization life cycle expired
R4 Invalid CVC3/ATC/dCW
S5 PIN not selected
S6 PIN already selected
S9 Expiration date mismatch
SR Bad CVV2
ST Revocation of authorization order
T7 Purchase only approval for purchase with cash back transaction
TA ARQC validation failed for contactless chip data rules
TB Unsafe PIN
*Not recommended for use by PULSE issuers. Not supported by all acquires
Category 4 Generic Declines

Note: The use case for Category 4 is where an issuers to limit use of generic dcline reason codes. 		1 Refer to card issuer
5 Do not honor
20 Invalid response
30 Format error (may also be a reversal)
31 Bank not supported by switch
60 Card acceptor contact acquirer
76 Key synchronization error
79 Invalid Digital Signature
88 Information not on file
95* Reconcile error
SI General denial
T6 Special conditions (no pickup)
*Not often supported

Updated 7 days ago

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Enforces sanctions based on foreign policy and national security goals against specific entities, countries, terrorists, narcotics traffickers, and those involved in weapons proliferation, to help safeguard US security, policy or the economy."},{"_id":"682ca92898ad2b00181155b4","term":"ANI","definition":"Account Name Inquiry (ANI) enables an account cardholder’s name to be checked against the name held by their Issuing bank."},{"_id":"682ca92898ad2b00181155b3","term":"Acquirer","definition":"A financial institution or payment processor that facilitates and processes credit or debit card transactions on behalf of merchants, and plays a role in authorizing and settling transactions, moving funds from the customer's account to the merchant's account along the payments network."},{"_id":"682ca92898ad2b00181155b2","term":"BIN","definition":"Bank Identification Number (BIN) is a unique set of four to eight digits on a payment card."},{"_id":"682ca92898ad2b00181155b1","term":"Beneficiary","definition":"An individual or entity designated to receive funds from a payout, disbursement, or push transaction."},{"_id":"682ca92898ad2b00181155b0","term":"Boarding","definition":"Refers to when a client begins their integration steps to go live with TabaPay."},{"_id":"682ca92898ad2b00181155af","term":"B2C","definition":"Business-to-consumer (B2C) is a type of transaction flow or model where commerce and relationships conducted are between a businesses and a customer."},{"_id":"682ca92898ad2b00181155ae","term":"disbursement","definition":"A payment flow that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ad","term":"payout","definition":"A transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ac","term":"Sender","definition":"An individual or entity who is sending funds to a beneficiary."},{"_id":"682ca92898ad2b00181155ab","term":"Capture","definition":"Completing and recording an authorized financial transaction to secure the funds from the customer's account and ensure the payment is successfully processed."},{"_id":"682ca92898ad2b00181155aa","term":"card","definition":"A physical or digital payment device issued by financial institutions to enable a cardholder to access funds in the assigned bank account or line of credit."},{"_id":"682ca92898ad2b00181155a9","term":"chip card","definition":"An EMV card with a microchip that provides a security layer by creating a unique transaction code for each payment for in-person transactions."},{"_id":"682ca92898ad2b00181155a8","term":"digital wallet","definition":"A virtual repository that stores payment methods or funds that allows contactless payments like near-field communication (NFC) technology, electronic transfers."},{"_id":"682ca92898ad2b00181155a7","term":"issuer","definition":"The bank or financial institution that provides a card to the cardholder, authorizing the card's use for transactions and oversees the card's activities."},{"_id":"682ca92898ad2b00181155a6","term":"Me2Me","definition":"Refers to a type of payment flow where an account holder transfers funds from one account to another account they own."},{"_id":"682ca92898ad2b00181155a5","term":"money transmission","definition":"The process of transferring funds from one person or entity to another, often through different financial services or systems. It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. PGP is used for securing emails, files, and directories."},{"_id":"682ca92898ad2b0018115555","term":"SFTP","definition":"Secure File Transfer Protocol securely transfers files over a network, encrypting both commands and data, typically via Transmission Control Protocol (TCP) port 22."},{"_id":"682ca92898ad2b0018115554","term":"CVV2","definition":"Card Verification Value is the static code printed on a card used to verify card possession in card-not-present transactions."},{"_id":"682ca92898ad2b0018115553","term":"SCA","definition":"Strong Customer Authentication is a set of security requirements under Payment Services Directive (PSD2) that requires multi-factor authentication for electronic payments to enhance security and reduce fraud."},{"_id":"682ca92898ad2b0018115552","term":"PSD2","definition":"Revised Payment Services Directive) is a European Union regulation that enhances consumer protection, promotes innovation, and improves security in electronic payments involving Strong Customer Authentication (SCA) practices."},{"_id":"682ca92898ad2b0018115551","term":"IIN","definition":"A unique identifier generated by TabaPay Clients for every transaction."},{"_id":"682ca92898ad2b0018115550","term":"RT AU","definition":"Real Time Account Updater enables real-time updates on payment card credentials for Merchant-Initiated Transactions MIT, for updated customer card information to reduce declines and enhance the cardholder experience."},{"_id":"682ca92898ad2b001811554f","term":"Intl","definition":"international"},{"_id":"682ca92898ad2b001811554e","term":"MAC","definition":"Merchant Advice Codes are returned in Create Transaction to help with key re-attempt decisions for the client."},{"_id":"682ca92898ad2b001811554d","term":"ECI","definition":"Electronic Commerce Indicator indicates the type and security level of a 3DS transaction. It helps payment processors and issuers identify and handle transactions appropriately based on their security status."},{"_id":"682ca92898ad2b001811554c","term":"UAT","definition":"User Acceptance Testing"},{"_id":"682ca92898ad2b001811554b","term":"PII","definition":"Personally Identifiable Information is any information that can be used to distinguish or trace a person's identity, such as their name, Social Security number, biometric records, or other data linked to them."},{"_id":"682ca92898ad2b001811554a","term":"Bearer Token","definition":"A type of token used for authorization in making a successful API request. This unique credential acts as a key to be able to access a protected resource."},{"_id":"682ca92898ad2b0018115549","term":"COF","definition":"Card on File refers to storing a customer’s card details on a digital platform for future transactions, eliminating the need to re-enter payment information."},{"_id":"682ca92898ad2b0018115548","term":"JWT","definition":"JSON Web Token is a secure, signed token used to transmit information between parties, often for authentication and authorization."},{"_id":"682ca92898ad2b0018115547","term":"RfP","definition":"Request for Payment is a digital request from a receiver to a sender, specifying the amount and expiration date. It streamlines and secures financial transactions by automating Real-time payment processes."},{"_id":"682ca92898ad2b0018115546","term":"FedNow","definition":"A real-time payment service by the U.S. Federal Reserve that enables instant, 24/7/365 interbank payments and settlements, allowing individuals and businesses to transfer funds in real time."},{"_id":"682ca92898ad2b0018115545","term":"redundancy","definition":"In payments or networking, refers to duplicate components or payment systems that can seamlessly take over if a primary component fails."},{"_id":"682ca92898ad2b0018115544","term":"token","definition":"A unique identifier for sensitive information, used to protect data while passing information."},{"_id":"682ca92898ad2b0018115543","term":"WAF","definition":"Web Application Firewall"},{"_id":"682ca92898ad2b0018115542","term":"IDS","definition":"Intrusion Detection System"},{"_id":"682ca92898ad2b0018115541","term":"IPS","definition":"Intrusion Prevention System"},{"_id":"682ca92898ad2b0018115540","term":"AOC","definition":"Attestation of Compliance is an affirmation from an independent party that an entity meets certain regulatory requirements. The attestation is often issued in the form of a report on an independent review or risk assessment conducted by a qualified third party."},{"_id":"682ca92898ad2b001811553f","term":"compact JSON","definition":"All newlines/tabs/extra spaces in between JSON fields and objects are omitted {\"accounts\":{\"sourceAccountID\":\"SettlementAccountID_22\"..."},{"_id":"682ca92898ad2b001811553e","term":"ROC","definition":"Report on Compliance is a third party assessment of an organization's security against a set of requirements"},{"_id":"682ca92898ad2b001811553d","term":"Neobank","definition":"An online financial institution that offers banking services like accounts, but without traditional physical brick and mortar branches."},{"_id":"682ca92898ad2b001811553c","term":"brokerage account","definition":"An account dedicated for investments that allows you to buy stocks, bonds, mutual funds, and ETFs."},{"_id":"682ca92898ad2b001811553b","term":"CIT","definition":"Cardholder Initiated Transaction (CIT) is a transaction where the cardholder actively participates or make a request at the time of purchase. Also referred to as Consumer Initiated Transaction, or Customer Initiated Transaction."},{"_id":"682ca92898ad2b001811553a","term":"split-tender","definition":"When a customer divides, or \"splits\" up the purchase with multiple payment methods."},{"_id":"682ca92898ad2b0018115539","term":"Partial Auth","definition":"A service to authorize a payment acceptance (pull) transaction including partial funds to avoid a non-sufficient funds decline (Card Network Response Code 51)."},{"_id":"682ca92898ad2b0018115538","term":"TabaPay Token","definition":"Stored bank accounts and payment cards that have been tokenized in TabaPay's vault to safely pass in TabaPay's Unified API including the Create Transaction Request."},{"_id":"682ca92898ad2b0018115537","term":"KB","definition":"Kilobyte"},{"_id":"682ca92898ad2b0018115536","term":"XB","definition":"Cross-border"},{"_id":"682ca92898ad2b0018115535","term":"NSF","definition":"Non-sufficient funds"},{"_id":"682ca92898ad2b0018115534","term":"MC","definition":"Mastercard"},{"_id":"682ca92898ad2b0018115533","term":"MOTO","definition":"Mail Order Telephone Order"},{"_id":"682ca92898ad2b0018115532","term":"type:push","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payout (push) instead of a payment (pull)."},{"_id":"682ca92898ad2b0018115531","term":"API","definition":"Application Programing Interface refers is way for software applications to communicate with each other through specified data formats to request and exchange information."},{"_id":"682ca92898ad2b0018115530","term":"type:pull","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payment (pull) instead of a payout (push)."},{"_id":"682ca92898ad2b001811552f","term":"Unified API","definition":"TabaPay's API-first design allows a developer-friendly integration with a single connection to multiple networks, banking partners, and countries to accept payments, and payout funds."},{"_id":"682ca92898ad2b001811552e","term":"body parameters","definition":"Describe the data included in an API request. Depending on the use case, different body params will be included (e.g. a subscription will require the recurringData object and recurring field, but a single transaction may not)."},{"_id":"682ca92898ad2b001811552d","term":"RSA","definition":"Rivest-Shamir-Adleman, or RSA named after the inventors, is a widely used encryption that protects card data passed in the TabaPay API."},{"_id":"682ca92898ad2b001811552c","term":"OTPP","definition":"One-Time Payment Portal generated from the TransactionRequest API."},{"_id":"682ca92898ad2b001811552b","term":"transactionID","definition":"The unique 22-character string that identifies a specific transaction. Found in the Create Transaction Response."},{"_id":"682ca92898ad2b001811552a","term":"RC","definition":"Response Code. Also known as Card Network Response Codes, or Iso Network Codes."},{"_id":"682ca92898ad2b0018115529","term":"FI","definition":"Financial Institution"},{"_id":"682ca92898ad2b0018115528","term":"IIN","definition":"Issuer Identification Number"},{"_id":"682ca92898ad2b0018115527","term":"accountID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b0018115526","term":"NVP","definition":"Name-Value Pair"},{"_id":"682ca92898ad2b0018115525","term":"OWASP","definition":"Open Worldwide Application Security Project"},{"_id":"682ca92898ad2b0018115524","term":"SOC","definition":"System and Organization Controls"}],"graphqlSchema":"","gracePeriod":{"enabled":false,"endsAt":null},"shouldGateDash":false,"healthCheck":{"provider":"","settings":{"page":"","status":false,"url":""}},"intercom_secure_emailonly":false,"intercom":"","is_active":true,"integrations":{"login":{}},"internal":"","jwtExpirationTime":0,"landing_bottom":[{"type":"html","alignment":"left","html":"\n\n\n

Get Started with Money Movement

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Accept Payments

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Accept payments instantly from cards and bank accounts

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Payout Funds

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Send payouts instantly to recipients' domestic and international cards and bank accounts

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Integrate with TabaPay

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Use\n Cases

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Common use cases for instant payments

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Compliance Requirements

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Compliance requirements for TabaPay clients

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Client\n Boarding

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Steps to go live with TabaPay

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Card Network Response Codes

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Responses from the card networks

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Network Mandates

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Card Network Data Requirements

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API\n Reference

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Explore TabaPay APIs

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Recipes (Code Samples)

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↗️
Query Card
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Example Push Transaction
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Pull Transaction with Card Info
Open Recipe
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Search by Product Guide

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3DS

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\n Three-Domain Secure or “3DS” is a messaging protocol merchants use to authenticate their customers’ card information when processing card-not-present (CNP) e-commerce or mobile purchases and payments. By enhancing authentication, 3DS helps prevent fraud and provides an additional layer of security for CNP credit card and debit card transactions. This service is provided by all four major card networks.\n Read more\n

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Recent articles

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How to use Duplicate Card Check?

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2022.07.12
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When using TabaPay's Account API to create or update a TabaPay account, TabaPay allows you to check if a card is already associated with another account. This is called duplicate card check. If we detect that you are trying to create a duplicate account (same card), then we return a 409 response and give you the account_id associated with said card.

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How to use 3DS?

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2022.07.12
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This guide will walk you through using JFrog to get your hands on the 3DS SDK. As well as an overview of how to integrate and use the SDK. There are a total of 13 steps in this guide...

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APIs, and guides on how to move money with TabaPay.","glossary":[{"_id":"682ca92898ad2b00181155d1","term":"SSL","definition":"Secure Sockets Layer"},{"_id":"682ca92898ad2b00181155d0","term":"ISO","definition":"Independent Sales Organization"},{"_id":"682ca92898ad2b00181155cf","term":"referenceID","definition":"1-15 characters. This value is required in every transaction and must be unique. This value is generated by the client (the caller of the TabaPay API)."},{"_id":"682ca92898ad2b00181155ce","term":"ClientID","definition":"Your unique 22-character string issued during onboarding. This value is used in your URLs for TabaPay APIs. For questions on what string to use, ask TabaPay support."},{"_id":"682ca92898ad2b00181155cd","term":"RejectDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *DISALLOW* any duplicate cards to be added in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cc","term":"OKToAddDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *ALLOW* account creation using a duplicate card already stored in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cb","term":"Device","definition":"Represents payment card data. Generated from a PCI-compliant device. In API requests, use the JSON object \"card.device\". Populate \"card.device.id\" with the TabaPay-assigned device ID (ask if you're unsure) and populate \"card.device.blob\" with the data generated from the device."},{"_id":"682ca92898ad2b00181155ca","term":"Payment Card Encrypted","definition":"Refers to the JSON fields: \"keyID\" and \"data\"."},{"_id":"682ca92898ad2b00181155c9","term":"Expiration Date","definition":"TabaPay uses YYYYMM format"},{"_id":"682ca92898ad2b00181155c8","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what value to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for PULL transactions only) or - The \"sourceAccountID\" field (for PUSH transactions only)"},{"_id":"682ca92898ad2b00181155c7","term":"Destination Account ID","definition":"22-character TabaPay Account ID. For *pull* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c6","term":"Source Account ID","definition":"22-character TabaPay Account ID. For *push* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c5","term":"Source Account","definition":"Refers to the JSON object \"sourceAccount\". Incompatible with \"sourceAccountID\"."},{"_id":"682ca92898ad2b00181155c4","term":"Destination Account","definition":"Refers to the JSON object \"destinationAccount\". Incompatible with \"destinationAccountID\""},{"_id":"682ca92898ad2b00181155c3","term":"Corresponding Transaction ID","definition":"The transactionID of the corresponding transaction. For a *pull*, the corresponding *push* transactionID. For a *push*, the corresponding *pull* transactionID. Incompatible with the \"corresponding\" JSON object."},{"_id":"682ca92898ad2b00181155c2","term":"Security Code","definition":"3-4 digits."},{"_id":"682ca92898ad2b00181155c1","term":"Account ID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b00181155c0","term":"Duplicate Card Check","definition":"Upon using the proper query strings (?RejectDuplicateCard, ?OKToAddDuplicateCard), prevents (or allows) creating an account with a card already stored in TabaPay's Card Vault."},{"_id":"682ca92898ad2b00181155bf","term":"DeleteDuplicateCard","definition":"A Query String for the Delete Account API. Required if using Duplicate Card Check. Do not provide a value for this query string. Just append ?DeleteDuplicateCard to your URL"},{"_id":"682ca92898ad2b00181155be","term":"TabaPay","definition":"Did you know TABA stands for There And Back Again (subtitle to The Hobbit). TABA. Round trip payments. Push and Pull. It all makes sense, doesn't it?!"},{"_id":"682ca92898ad2b00181155bd","term":"Payment Card Not Encrypted","definition":"Card in the clear. Refers to JSON fields within a JSON \"card\" object: \"accountNumber\" and \"expirationDate\" (Documentation will note when to optionally include \"securityCode\")"},{"_id":"682ca92898ad2b00181155bc","term":"Version","definition":"A required URL path parameter within our APIs. The format of the Version is: the letter 'v' followed by the version number (e.g. v1, v2, etc). To see the supported versions for a specific API, refer to the specific API reference page. All APIs require a version in the URL path."},{"_id":"682ca92898ad2b00181155bb","term":"settlementAccountID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: \n- The \"destinationAccountID\" field (for pull transactions only) or \n- The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155ba","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for pull transactions only) or - The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155b9","term":"SubClientID","definition":"A 4, 6, or 8-digit value, specifying a program under a client. If you're unsure what value to use, ask TabaPay support. You may need to append this value to your ClientID with the \"_\" character as a separator (i.e. ClientID_SubClientID) within your API URL"},{"_id":"682ca92898ad2b00181155b8","term":"avsID","definition":"Unique ID associated with the verification request for an address of a payment card."},{"_id":"682ca92898ad2b00181155b7","term":"FQDN","definition":"Fully qualified domain name. Replace FQDN with the appropriate domain. Ensure the domain you're using is consistent with the environment you're testing in (sandbox, production, etc.)."},{"_id":"682ca92898ad2b00181155b6","term":"AVS","definition":"Address Verification Service. Used to verify the address of a payment card with the issuing institution."},{"_id":"682ca92898ad2b00181155b5","term":"OFAC","definition":"Office of Foreign Asset Control. Enforces sanctions based on foreign policy and national security goals against specific entities, countries, terrorists, narcotics traffickers, and those involved in weapons proliferation, to help safeguard US security, policy or the economy."},{"_id":"682ca92898ad2b00181155b4","term":"ANI","definition":"Account Name Inquiry (ANI) enables an account cardholder’s name to be checked against the name held by their Issuing bank."},{"_id":"682ca92898ad2b00181155b3","term":"Acquirer","definition":"A financial institution or payment processor that facilitates and processes credit or debit card transactions on behalf of merchants, and plays a role in authorizing and settling transactions, moving funds from the customer's account to the merchant's account along the payments network."},{"_id":"682ca92898ad2b00181155b2","term":"BIN","definition":"Bank Identification Number (BIN) is a unique set of four to eight digits on a payment card."},{"_id":"682ca92898ad2b00181155b1","term":"Beneficiary","definition":"An individual or entity designated to receive funds from a payout, disbursement, or push transaction."},{"_id":"682ca92898ad2b00181155b0","term":"Boarding","definition":"Refers to when a client begins their integration steps to go live with TabaPay."},{"_id":"682ca92898ad2b00181155af","term":"B2C","definition":"Business-to-consumer (B2C) is a type of transaction flow or model where commerce and relationships conducted are between a businesses and a customer."},{"_id":"682ca92898ad2b00181155ae","term":"disbursement","definition":"A payment flow that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ad","term":"payout","definition":"A transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ac","term":"Sender","definition":"An individual or entity who is sending funds to a beneficiary."},{"_id":"682ca92898ad2b00181155ab","term":"Capture","definition":"Completing and recording an authorized financial transaction to secure the funds from the customer's account and ensure the payment is successfully processed."},{"_id":"682ca92898ad2b00181155aa","term":"card","definition":"A physical or digital payment device issued by financial institutions to enable a cardholder to access funds in the assigned bank account or line of credit."},{"_id":"682ca92898ad2b00181155a9","term":"chip card","definition":"An EMV card with a microchip that provides a security layer by creating a unique transaction code for each payment for in-person transactions."},{"_id":"682ca92898ad2b00181155a8","term":"digital wallet","definition":"A virtual repository that stores payment methods or funds that allows contactless payments like near-field communication (NFC) technology, electronic transfers."},{"_id":"682ca92898ad2b00181155a7","term":"issuer","definition":"The bank or financial institution that provides a card to the cardholder, authorizing the card's use for transactions and oversees the card's activities."},{"_id":"682ca92898ad2b00181155a6","term":"Me2Me","definition":"Refers to a type of payment flow where an account holder transfers funds from one account to another account they own."},{"_id":"682ca92898ad2b00181155a5","term":"money transmission","definition":"The process of transferring funds from one person or entity to another, often through different financial services or systems. It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. PGP is used for securing emails, files, and directories."},{"_id":"682ca92898ad2b0018115555","term":"SFTP","definition":"Secure File Transfer Protocol securely transfers files over a network, encrypting both commands and data, typically via Transmission Control Protocol (TCP) port 22."},{"_id":"682ca92898ad2b0018115554","term":"CVV2","definition":"Card Verification Value is the static code printed on a card used to verify card possession in card-not-present transactions."},{"_id":"682ca92898ad2b0018115553","term":"SCA","definition":"Strong Customer Authentication is a set of security requirements under Payment Services Directive (PSD2) that requires multi-factor authentication for electronic payments to enhance security and reduce fraud."},{"_id":"682ca92898ad2b0018115552","term":"PSD2","definition":"Revised Payment Services Directive) is a European Union regulation that enhances consumer protection, promotes innovation, and improves security in electronic payments involving Strong Customer Authentication (SCA) practices."},{"_id":"682ca92898ad2b0018115551","term":"IIN","definition":"A unique identifier generated by TabaPay Clients for every transaction."},{"_id":"682ca92898ad2b0018115550","term":"RT AU","definition":"Real Time Account Updater enables real-time updates on payment card credentials for Merchant-Initiated Transactions MIT, for updated customer card information to reduce declines and enhance the cardholder experience."},{"_id":"682ca92898ad2b001811554f","term":"Intl","definition":"international"},{"_id":"682ca92898ad2b001811554e","term":"MAC","definition":"Merchant Advice Codes are returned in Create Transaction to help with key re-attempt decisions for the client."},{"_id":"682ca92898ad2b001811554d","term":"ECI","definition":"Electronic Commerce Indicator indicates the type and security level of a 3DS transaction. It helps payment processors and issuers identify and handle transactions appropriately based on their security status."},{"_id":"682ca92898ad2b001811554c","term":"UAT","definition":"User Acceptance Testing"},{"_id":"682ca92898ad2b001811554b","term":"PII","definition":"Personally Identifiable Information is any information that can be used to distinguish or trace a person's identity, such as their name, Social Security number, biometric records, or other data linked to them."},{"_id":"682ca92898ad2b001811554a","term":"Bearer Token","definition":"A type of token used for authorization in making a successful API request. This unique credential acts as a key to be able to access a protected resource."},{"_id":"682ca92898ad2b0018115549","term":"COF","definition":"Card on File refers to storing a customer’s card details on a digital platform for future transactions, eliminating the need to re-enter payment information."},{"_id":"682ca92898ad2b0018115548","term":"JWT","definition":"JSON Web Token is a secure, signed token used to transmit information between parties, often for authentication and authorization."},{"_id":"682ca92898ad2b0018115547","term":"RfP","definition":"Request for Payment is a digital request from a receiver to a sender, specifying the amount and expiration date. It streamlines and secures financial transactions by automating Real-time payment processes."},{"_id":"682ca92898ad2b0018115546","term":"FedNow","definition":"A real-time payment service by the U.S. Federal Reserve that enables instant, 24/7/365 interbank payments and settlements, allowing individuals and businesses to transfer funds in real time."},{"_id":"682ca92898ad2b0018115545","term":"redundancy","definition":"In payments or networking, refers to duplicate components or payment systems that can seamlessly take over if a primary component fails."},{"_id":"682ca92898ad2b0018115544","term":"token","definition":"A unique identifier for sensitive information, used to protect data while passing information."},{"_id":"682ca92898ad2b0018115543","term":"WAF","definition":"Web Application Firewall"},{"_id":"682ca92898ad2b0018115542","term":"IDS","definition":"Intrusion Detection System"},{"_id":"682ca92898ad2b0018115541","term":"IPS","definition":"Intrusion Prevention System"},{"_id":"682ca92898ad2b0018115540","term":"AOC","definition":"Attestation of Compliance is an affirmation from an independent party that an entity meets certain regulatory requirements. The attestation is often issued in the form of a report on an independent review or risk assessment conducted by a qualified third party."},{"_id":"682ca92898ad2b001811553f","term":"compact JSON","definition":"All newlines/tabs/extra spaces in between JSON fields and objects are omitted {\"accounts\":{\"sourceAccountID\":\"SettlementAccountID_22\"..."},{"_id":"682ca92898ad2b001811553e","term":"ROC","definition":"Report on Compliance is a third party assessment of an organization's security against a set of requirements"},{"_id":"682ca92898ad2b001811553d","term":"Neobank","definition":"An online financial institution that offers banking services like accounts, but without traditional physical brick and mortar branches."},{"_id":"682ca92898ad2b001811553c","term":"brokerage account","definition":"An account dedicated for investments that allows you to buy stocks, bonds, mutual funds, and ETFs."},{"_id":"682ca92898ad2b001811553b","term":"CIT","definition":"Cardholder Initiated Transaction (CIT) is a transaction where the cardholder actively participates or make a request at the time of purchase. Also referred to as Consumer Initiated Transaction, or Customer Initiated Transaction."},{"_id":"682ca92898ad2b001811553a","term":"split-tender","definition":"When a customer divides, or \"splits\" up the purchase with multiple payment methods."},{"_id":"682ca92898ad2b0018115539","term":"Partial Auth","definition":"A service to authorize a payment acceptance (pull) transaction including partial funds to avoid a non-sufficient funds decline (Card Network Response Code 51)."},{"_id":"682ca92898ad2b0018115538","term":"TabaPay Token","definition":"Stored bank accounts and payment cards that have been tokenized in TabaPay's vault to safely pass in TabaPay's Unified API including the Create Transaction Request."},{"_id":"682ca92898ad2b0018115537","term":"KB","definition":"Kilobyte"},{"_id":"682ca92898ad2b0018115536","term":"XB","definition":"Cross-border"},{"_id":"682ca92898ad2b0018115535","term":"NSF","definition":"Non-sufficient funds"},{"_id":"682ca92898ad2b0018115534","term":"MC","definition":"Mastercard"},{"_id":"682ca92898ad2b0018115533","term":"MOTO","definition":"Mail Order Telephone Order"},{"_id":"682ca92898ad2b0018115532","term":"type:push","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payout (push) instead of a payment (pull)."},{"_id":"682ca92898ad2b0018115531","term":"API","definition":"Application Programing Interface refers is way for software applications to communicate with each other through specified data formats to request and exchange information."},{"_id":"682ca92898ad2b0018115530","term":"type:pull","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payment (pull) instead of a payout (push)."},{"_id":"682ca92898ad2b001811552f","term":"Unified API","definition":"TabaPay's API-first design allows a developer-friendly integration with a single connection to multiple networks, banking partners, and countries to accept payments, and payout funds."},{"_id":"682ca92898ad2b001811552e","term":"body parameters","definition":"Describe the data included in an API request. Depending on the use case, different body params will be included (e.g. a subscription will require the recurringData object and recurring field, but a single transaction may not)."},{"_id":"682ca92898ad2b001811552d","term":"RSA","definition":"Rivest-Shamir-Adleman, or RSA named after the inventors, is a widely used encryption that protects card data passed in the TabaPay API."},{"_id":"682ca92898ad2b001811552c","term":"OTPP","definition":"One-Time Payment Portal generated from the TransactionRequest API."},{"_id":"682ca92898ad2b001811552b","term":"transactionID","definition":"The unique 22-character string that identifies a specific transaction. Found in the Create Transaction Response."},{"_id":"682ca92898ad2b001811552a","term":"RC","definition":"Response Code. Also known as Card Network Response Codes, or Iso Network Codes."},{"_id":"682ca92898ad2b0018115529","term":"FI","definition":"Financial Institution"},{"_id":"682ca92898ad2b0018115528","term":"IIN","definition":"Issuer Identification Number"},{"_id":"682ca92898ad2b0018115527","term":"accountID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b0018115526","term":"NVP","definition":"Name-Value Pair"},{"_id":"682ca92898ad2b0018115525","term":"OWASP","definition":"Open Worldwide Application Security Project"},{"_id":"682ca92898ad2b0018115524","term":"SOC","definition":"System and Organization Controls"}],"homepage_url":"https://tabapay.com","id":"61f4a26379257900665c364f","name":"TabaPay 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\");\n background-repeat: no-repeat;\n height: 56px;\n width: 141px;\n}\n\n/*Search Button on Dev Portal Landing Page*/\n .rm-LandingPageHeader .rm-SearchToggle { width: 250px; }\n\n\n.LandingPageHeader20SNhBZ58Jy5 {\n padding: 20px 20px 40px;\n}\n\n.cardNumber {\n padding-right: 1em;\n}\n\n#snackbar {\n visibility: hidden;\n min-width: 250px;\n margin-left: -125px;\n background-color: #333;\n color: #fff;\n text-align: center;\n border-radius: 2px;\n padding: 16px;\n position: fixed;\n z-index: 1;\n left: 50%;\n bottom: 30px;\n font-size: 17px;\n}\n\n#snackbar.show {\n visibility: visible;\n -webkit-animation: fadein 0.5s, fadeout 0.5s 2.5s;\n animation: fadein 0.5s, fadeout 0.5s 2.5s;\n}\n\n@-webkit-keyframes fadein {\n from {bottom: 0; opacity: 0;} \n to {bottom: 30px; opacity: 1;}\n}\n\n@keyframes fadein {\n from {bottom: 0; opacity: 0;}\n to {bottom: 30px; opacity: 1;}\n}\n\n@-webkit-keyframes fadeout {\n from {bottom: 30px; opacity: 1;} \n to {bottom: 0; opacity: 0;}\n}\n\n@keyframes fadeout {\n from {bottom: 30px; opacity: 1;}\n to {bottom: 0; opacity: 0;}\n}\n.qfs {\n font-size: .8em\n}\ntr,\nth,\ntd {\n padding: 5px 10px;\n text-align: center\n}\n table.t1 td:first-child,\n table.t2 td:nth-child(2),\n table.t3 td:nth-child(3),\n table.t4 td:nth-child(4),\n table.t5 td:nth-child(5),\n table.e5 td:nth-last-child(5),\n table.e4 td:nth-last-child(4),\n table.e3 td:nth-last-child(3),\n table.e2 td:nth-last-child(2),\n table.e1 td:last-child,\n td.tl {\n text-align: left\n }\n\n table.ti td {\n vertical-align: middle\n }\n\n table.tf td {\n text-align: left\n }\n\n.DiscussPost-date_rn8ndx4foSz{\n\tvisibility: hidden;\n width: 0px;\n}\n.fixedTableHead {\n font-size: small; \n}\n.fixedTableHead thead th {\n position: sticky;\n top: 0;\n}\n.fixedTableHead td {\n\ttext-align: left\n}\n#httpResponseCodesTable td {\n text-align: left\n}\n\n/* Keyword Search - Underlined Words */\n[data-color-mode=\"dark\"] .SearchResults-Result3TWcEjpDrkd5 .ais-Snippet-highlighted::after {\n background:#05D7B0;\n}\n\n/* Navigational Cards */\n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] p{ \n color: white !important; font-weight: 400; \n } \n}\n\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n border: 0.01em solid white; \n margin: 5px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .large-card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n margin: 5px; \n border: 0.01em solid white; \n height: 150px;\n } \n}\n\n \n@media (prefers-color-scheme: dark) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #383f43; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .icontop { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconsdark { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconstopdark {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] h3,[data-color-mode=system] h4 { \n color: white !important; \n } \n}\n \n \n \n@media (prefers-color-scheme: light) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #fff; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconsdark, [data-color-mode=system] .icontopdark { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconstop {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n\n \n\n [data-color-mode=\"light\"] .icontop {\n width: 36px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .icons {\n width: 28px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .iconsdark {\n display: none;\n }\n\n [data-color-mode=\"light\"] .iconstopdark {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icons {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icontop {\n display: none !important;\n }\n \n\n [data-color-mode=\"dark\"] .iconsdark {\n width: 28px;\n padding-right: 7px;\n }\n \n\n [data-color-mode=\"dark\"] .iconstopdark {\n width: 36px;\n padding-right: 7px;\n }\n \n \n[data-color-mode=\"dark\"] h3,\n[data-color-mode=\"dark\"] h4 {\n color: white !important;\n}\n \n \n\n\n /* Responsive Adjustments */\n @media (max-width: 1024px) {\n .top-row {\n grid-template-columns: repeat(2, 1fr);\n }\n\n .row {\n grid-template-columns: 1fr;\n }\n }\n\n @media (max-width: 768px) {\n\n .top-row,\n .row {\n grid-template-columns: 1fr;\n }\n }\n\n\n\n/* Block Font - e3edf2 */\n.blockfont: {\n font-size:18px;\n}\n\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .callout_intro {\n background:#118CFD;\n title:#46b8da;\n border:#5bc0de;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .callout_intro {\n background:#118CFD;\n title:#46b8da;\n border:#5bc0de;\n } \n}\n\n\n\n.callout_intro p {\nfont-size:18px;\n}\n\n\n\n/* CSS Values for Accordian Designs */\ndetails {\n display: inline-block;\n}\n\nsummary {\n list-style: none;\n display: inline-flex;\n align-items: center;\n padding: 10px;\n font-weight: bold;\n}\n\n\n\nsummary::after {\n content: '';\n width: 18px;\n height: 10px;\n background: url('https://files.readme.io/46a176e7887df52288b2d4ebced3b5655c843def7d0079c94083d3f309783cdf-accordianarrowdown.svg') no-repeat;\n background-size: cover;\n margin-left: .75em;\n transition: 0.1s;\n}\n\ndetails[open] > summary::after {\n transform: rotate(180deg);\n}\n\n\n\nsummary::-webkit-details-marker {\n display: none;\n}\n\nsummary {\n border-radius: 5px;\n}\n\ndetails[open] summary {border-radius: 5px 5px 0 0;}\n\ndetails {\n border-radius: 5px;\n}\n\n/* Cards for Nav */\n\n .row1 {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n .other-row {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n\n .single-row {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n.row-list {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n\n .row1 {\n grid-template-columns: repeat(3, 1fr);\n }\n\n\n .other-row {\n grid-template-columns: repeat(2, 1fr);\n }\n\n .other-row a {\n text-decoration: none !important;\n\n }\n\n.row1 a {\n text-decoration: none !important;\n\n }\n\n\n .row-list {\n grid-template-columns: repeat(3, 1fr);\n }\n\n\n\n.single-row {\n grid-template-columns: repeat(1, 1fr);\n }\n\n\n.single-row a {\n text-decoration: none !important;\n\n }\n \n .card {\n width:100%;\n }\n\n [data-color-mode=\"light\"] p {\n color: black;\n text-decoration: none !important;\n font-weight: 400;\n }\n\n [data-color-mode=\"dark\"] p {\n color: white !important;\n font-weight: 400;\n }\n \n \n .other-row a p {\n text-decoration: none;\n } \n\n .other-row p a {\n text-decoration: none;\n }\n\n .row1 a p {\n text-decoration: none;\n } \n\n .row1 p a {\n text-decoration: none;\n }\n\n [data-color-mode=\"light\"] .card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n margin: 5px;\n }\n\n [data-color-mode=\"light\"] .large-card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n margin: 5px;\n height: 150px;\n }\n\n [data-color-mode=\"dark\"] .card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n border: 0.01em solid white;\n margin: 5px;\n }\n \n \n [data-color-mode=\"dark\"] .large-card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n margin: 5px;\n border: 0.01em solid white;\n height: 150px;\n }\n \n .card:hover,\n .large-card:hover {\n box-shadow: 0 8px 16px 0 rgba(0, 0, 0, 0.2);\n }\n\n [data-color-mode=\"dark\"] .card:hover {\n background-color: #383f43;\n }\n\n [data-color-mode=\"dark\"] .large-card:hover {\n background-color: #383f43;\n }\n \n .large-card {\n padding: 10px;\n /* Larger padding for larger cards */\n }\n\n .container,\n .large-container {\n padding: 2px 16px;\n text-decoration: none;\n }\n\n\n .topcard-link {\n text-decoration: none;\n }\n\n .topcard-title {\n font-size: 16px;\n\n }\n\n .card-link {\n text-decoration: none;\n }\n \n \n \n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] p{ \n color: white !important; font-weight: 400; \n } \n}\n\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n border: 0.01em solid white; \n margin: 5px; \n } \n}\n\n \n@media (prefers-color-scheme: dark) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #383f43; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .icontop { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconsdark { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconstopdark {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] h3,[data-color-mode=system] h4 { \n color: white !important; \n } \n}\n \n \n \n@media (prefers-color-scheme: light) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #fff; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .iconsdark { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconstop {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n\n \n\n [data-color-mode=\"light\"] .icontop {\n width: 36px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .icons {\n width: 28px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .iconsdark {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icons {\n display: none;\n }\n \n\n [data-color-mode=\"dark\"] .iconsdark {\n width: 28px;\n padding-right: 7px;\n }\n \n\n [data-color-mode=\"dark\"] .iconstopdark {\n width: 36px;\n padding-right: 7px;\n }\n \n \n[data-color-mode=\"dark\"] h3,\n[data-color-mode=\"dark\"] h4 {\n color: white !important;\n}\n \n \n\n\n /* Responsive Adjustments */\n @media (max-width: 1024px) {\n .other-row {\n grid-template-columns: repeat(2, 1fr);\n },\n\n .row1 {\n grid-template-columns: 3fr;\n },\n .row-list {\n grid-template-columns: 3fr;\n }\n }\n\n @media (max-width: 768px) {\n\n .row-list,\n .other-row,\n .row1 {\n grid-template-columns: 1fr;\n }\n }\n \n \n\n\n/* Definitions Glossary in HTML */\n \n \n dfn {\n text-decoration: underline dotted;\n cursor: help;\n position: relative;\n}\n\n\n\n [data-color-mode=\"dark\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n \n \n \n [data-color-mode=\"light\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n \n \n \n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n}\n \n \n \n @media (prefers-color-scheme: light) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n}\n \n\n @media (max-width: 1024px) {\n dfn:hover::after: {\n max-width:600px;\n }\n }\n\n @media (max-width: 768) {\n dfn:hover::after: {\n max-width:500px;\n }\n }\n \n/* API Reference Objects, Keys & Fields */\n.Param-nameU7CntAa90Wvb:not(:last-child):not(:only-child), .Param-required2cYbu9SjF2YX:not(:last-child):not(:only-child), .Param-type3QlaE1nrKh1D:not(:last-child):not(:only-child) { font-size:16px;}\n\n\n/*Accordion\nsummary:after { \n content: ''; \n width: 18px; \n height: 10px; \n background: url(\"https://files.readme.io/46a176e7887df52288b2d4ebced3b5655c843def7d0079c94083d3f309783cdf-accordianarrowdown.svg\") no-repeat; \n background-size: cover; \n margin-left: .75em; \n transition: 0.1s; \n}\ndetails[open] > summary::after { \n transform: rotate(180deg); \n}\nsummary::-webkit-details-marker { \n display: none; \n}\nsummary { \n border-radius: 5px; \n}\ndetails[open] summary {border-radius: 5px 5px 0 0;}details { \n border-radius: 5px; \n}\n*/\n\n/*Glossary*/\n /* Glossary in HTML*/\n \n \n dfn {\n text-decoration: underline dotted;\n cursor: help;\n position: relative;\n}\n\n\n\n [data-color-mode=\"dark\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n \n \n \n [data-color-mode=\"light\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n \n \n \n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n}\n \n \n \n @media (prefers-color-scheme: light) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n}\n\n\n/*Save Pages IMPORTANT! */\n[class^=\".SuperHubEditorFormLayout-actions\"] {\n justify-content: left;\n flex:auto;\n}\n \n.rm-Header-link[href=\"/reference\"],\n.rm-Header-link[href=\"/discuss\"],\n.rm-Header-link[href=\"/changelog\"],\n.rm-Header-link[href=\"/recipes\"],\n.rm-Header-link[href=\"/docs\"] {\n display: none !important;\n}\n\n#launcher {\n color-scheme: light;\n width: 109px;\n height: 50px ;\n padding: 10px !important;\n margin: 10px 20px !important;\n position: fixed;\n bottom: 30px !important;\n overflow: visible;\n opacity: 1;\n border: 0px;\n z-index: 999998;\n transition-duration: 250ms;\n transition-timing-function: cubic-bezier(0.645, 0.045, 0.355, 1);\n transition-property: opacity, top, bottom;\n right: 0px;\n}\n\n/*Tabs Active Color */\n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .TabGroup-tab_active {\n \n color:#fff;\n border-bottom:#fff;\n \n }\n }\n \n [data-color-mode=\"dark\"] .TabGroup-tab_active {\n color:#fff;\n border-bottom:#fff;\n }\n\n\n\n/*Accordion Color */\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .fad, .fa-duotone {\n \n color:#fff;\n \n }\n }\n \n [data-color-mode=\"dark\"] .fad, .fa-duotone {\n color:#fff;\n }\n\n\na.rm-MobileFlyout-item:nth-child(13),\na.rm-MobileFlyout-item:nth-child(14),\na.rm-MobileFlyout-item:nth-child(15),\na.rm-MobileFlyout-item:nth-child(16) {\n display: none;\n}","js":"// Toggle button to Expand Collapse BODY PARAMS \n$(window).on('pageLoad', function(e, state) {\n setTimeout(function() {\n if (window.location.href.includes('/reference/') && 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'expanded' : 'collapsed');\n }\n });\n const childContainers = element.querySelectorAll('.Param-children1oL5oQqVqcMg');\n childContainers.forEach(child => toggleCollapsibles(child, expand));\n };\n\n toggleCollapsibles(collapsibleContainer, !isExpanded);\n isExpanded = !isExpanded;\n buttonText.textContent = isExpanded ? 'Collapse All' : 'Expand All';\n toggleButton.style.backgroundColor = isExpanded ? '#D32F2F' : '#4CAF50';\n } else {\n console.error('Div with class \".rm-Article\" not found.');\n }\n });\n\n // Add event listeners for manual toggling of each collapsible\n document.querySelectorAll('.Param-expand-button1ktY2S68FWc_').forEach(button => {\n button.addEventListener('click', function() {\n let parentSection = this.closest('section');\n let currentState = parentSection.getAttribute('data-custom-toggle');\n let newState = currentState === 'expanded' ? 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document.querySelectorAll('.TutorialTile-link');\n \n recipes.forEach(recipe => recipeContainer.append(recipe));\n})","html":{"header":null,"home_footer":null,"page_footer":"\n\n\n\n\n\n"}},"header":{"type":"gradient","gradient_color":"#0D084C","link_style":"buttons","overlay":{"fill":"auto","type":"triangles","position":"top-left","image":{"uri":null,"url":"https://files.readme.io/1d742dd-bg-1.png","name":"bg-1.png","width":1920,"height":1023,"color":"#071f3c","links":{"original_url":null}}}},"ai":{"dropdown":"disabled","options":{"chatgpt":"enabled","claude":"enabled","clipboard":"enabled","copilot":"enabled","view_as_markdown":"enabled"}},"navigation":{"first_page":"landing_page","left":[],"logo_link":"homepage","page_icons":"enabled","right":[{"type":"link_url","title":"API 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