TabaPay hit a huge milestone at the end of 2025: a $100 billion run rate. It caps off a period of tremendous growth for the company.
A few more stats: We moved more than 670 million transactions in 2025, making us the sixth-largest U.S. online payment processor. We’re driving fraud down to half of industry benchmarks for key transaction types like Visa Account Funding Transactions. And we’re doing it profitably, with run rate net revenue up 70% year-over-year.
We’re sharing these numbers for a simple reason: our clients and prospects should feel confident doing business with us. We operate safely and soundly. We know each of our clients has to stand in front of their board and defend their vendors. We aren’t an unknown team you have to justify; we’re the safe, proven option. We’re not going anywhere, and we’ll keep leveraging our size to give you the best experience possible.
But for me, personally, these numbers are even more exciting. They represent the culmination of a goal I set for myself more than a decade ago.
Why This Matters to Me
TabaPay is my fourth startup. I’ve sold previous companies to firms like Intuit and Mastercard, but TabaPay is the longest-lived, and the one I’m most excited to keep building for the long term.
I first had the idea for TabaPay in 2014. At that time, I was the President of Omney, and we’d just invented the modern instant payout (which later became Mastercard Send). We were able to disburse money to customers quickly and at scale.
Payouts were only half the equation — payments (where customers “pay in”) were the other part of the process. And at the time, there was no platform that provided instant payouts AND instant payments for fintech companies. So my co-founders and I started TabaPay with a focused goal: to provide instant, bi-directional money movement for fintechs.
Why We Succeeded
There are hundreds of reasons why TabaPay has resonated with its target market. Even so, three factors especially stand out. By sharing them, I hope I might be able to inspire other firms that are rapidly scaling, too.
We Dove Deep Into What Each Client Actually Needed
Payment processing is a crowded market, and every processor claims they’re the best option for growing companies.
So how did TabaPay stand out, find market fit, and become what we are today?
We targeted a specific niche with pressing needs — fintech — and did everything we could to understand why that niche struggled with instant payments and payouts. These included high fraud, since instant transactions are almost never reversible; sponsor banks labelling fintechs as “high fraud” and either refusing to onboard them or charging exorbitant fees; and complicated APIs that made building out infrastructure cumbersome.
We didn’t stop at simply understanding the industry. We deeply invested in understanding each client’s specific use case, and delivered an implementation designed around each one’s specific needs. That “white glove approach” is still how we work, and it’s a key competitive advantage for us. Every client deserves a solution built for their reality, not a generic integration.
We Built for Risk, Resilience, and Flexibility from Day One
Our team built TabaPay from the ground up to support complex, higher-risk use cases in highly regulated spaces.
We knew onboarding could be difficult. We knew cost optimization could be painful. And we knew reliability would be non-negotiable at scale. So we built:
- A network of sponsor banks equipped to support a wide range of use cases
- A web of direct connects and processed networks, improving reliability and enabling cost reduction through smarter routing
- A single, flexible API designed to make bi-directional money movement easier to expand over time, so clients could add pull alongside push without re-architecting the stack
We also became deeply specialized in fraud reduction for fintech. Rather than reinventing the wheel, we worked closely with Visa, Mastercard, and Discover to implement their security protocols early, at a time when many companies were trying to build everything in-house. Combining our own methodology and network tooling has helped clients achieve exceptionally low fraud outcomes.
We Delivered the Value of “It Just Works”
Our biggest success factor may well be the hardest to quantify.
Over and over, customers praise our product because “it just works.” We’re reliable for them. They work with us to set up their products, and then they don’t have issues. This is a testament to how we’ve built our reliability, uptime, and unified API, since we’ve reduced operational drag and enable clients to focus on growth.
Of course, things don’t work 100% of the time. When that happens, we don’t hide behind ticket queues. We equip our account managers to serve as partners, not routers. We’re also aggressively hiring experts to scale that model as we grow.
Last year, we conducted a major customer survey, and it was clear that TabaPay excelled as a partner. Customers consistently described our team as reliable, proactive, and deeply invested in their success.
What’s Next
In the year ahead, we’re preparing to enter new verticals — think gaming and platforms, among others — that we’re well-suited to assist.
As we expand, we’re applying the same discipline that helped us succeed in fintech: taking the time to understand each industry, and preparing to deliver a white glove implementation for each company that fits their use case, not a template.
No matter how we expand, we’ll still be guided by our fundamentals of individualized attention, reliability, and flexibility.
The $100 billion run rate is a tremendous achievement, but I’m sure it will be eclipsed by what we’ll achieve in TabaPay’s next decade. Stay tuned for some very exciting announcements later in the year.
