Overview

TabaPay Payment Services LLC is a separate, wholly owned subsidiary of TabaPay Inc. The subsidiary was formed in Delaware in 2023, with a principal place of business at 450 Cambridge Ave., Palo Alto, CA, 94306.

List of Products

In Store Cash to Card Deposits

Our Cash-to-Card Deposits service enables retail locations and kiosk operators to offer a mechanism for depositing cash and coins to any U.S. bank account at the point of sale. Retail locations and operators of physical kiosks can facilitate customer cash loads utilizing a valid, U.S.-issued debit card or registered general-purpose reloadable prepaid card. As a registered money services business (“MSB”) and licensed money transmitter, we provide payment processing services and may appoint agents to conduct money transmission services on our behalf in all states where licensed.

Account-to-Account Transfer Services

Our Account-to-Account Transfer service empowers platforms, neobanks, and their program managers to facilitate instant funds movement for their end-users. Through our unified API, platforms can support both funds transfers between accounts with the same owner or the transfer of funds between accounts held by different individuals. The service supports transaction processing across standard card networks and real-time payment networks. As a licensed money transmitter, we provide a way for platforms to leverage compliant payment processing workflows within their own applications.

Embedded Payments with Stored-Value

Our Embedded Payments with Stored-Value solution enables platforms to offer compliant payment capabilities to their end-users, including both businesses and consumers. Through our programmatic infrastructure, stored-value accounts can be established and maintained to manage settlement timing, facilitate transaction clearing, log incoming and outgoing payments activity, and disburse funds across major U.S. payment networks. By operating as a licensed money transmitter, we provide the transactional ledgering and processing orchestration required to track balances and associated money movements accurately, so platforms can focus on their core applications while maintaining strict compliance with money transmission laws.

Privacy Policy

Last updated: May 29, 2026

TabaPay Payment Services LLC (“Company,” “we,” “our,” or “us”) provides money transmission, stored value services and payment processing services for consumers, financial institutions, and businesses. We respect your privacy and are committed to protecting it. This Privacy Policy (or “policy”) describes the types of information we may collect when you visit the website https://tabapaypaymentservices.com/. This policy also describes our practices for using, maintaining, protecting, and disclosing that information.

Scope and Applicability

This policy applies to information we collect:

• When you visit our Website for general informational purposes without accessing one of our Services (as defined below);
• If you respond to communications from us, including email, text, and other electronic messages.
• Through websites and other digital properties, products, or services that link to this policy (including, without limitation, mobile and desktop applications), which provide dedicated non-browser-based interaction between you and this Website.
• When you interact with our marketing, advertising, or other promotional materials.

This policy does not apply to information we collect in connection with providing our money-transmission, stored value, payment processing, or other financial services (our “Services”) to consumers for their personal, family, or household purposes. While this information may be included in this policy, such information is governed by the federal Gramm-Leach-Bliley Act (“GLBA”) and its implementing regulations. For details about how we handle this type of information, please refer to our GLBA Privacy Notice provided to you.

This Policy also does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Company or any third party that does not link to this policy; or
• Any third party websites, mobile applications, plug-ins, or services that may link to or be accessible from or through the Website.

The Company performs Services for merchants and other business partners (each, a “Partner”). Because Partners independently control how they collect and use your personal data, their data practices are governed by their own privacy policies, not this policy, and you should review such Partner’s privacy policy for information about how it collects, uses, and discloses your personal data and how to exercise your rights related to such personal data.

Please read this policy carefully to understand our policies and practices regarding your information and how we treat it. This policy may change from time to time, as further described under the “Changes to Our Privacy Policy” section below. Your continued use of the Website after any changes become effective constitutes your acceptance of those changes, so please check the policy periodically for updates.

Children’s and Minors’ Data

Our Website and Services are not intended for, and we do not knowingly collect any personal data from, children under the age of 13. If we learn that we have collected or received personal data from a child under 13 years old without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at: privacy@tabapaypaymentservices.com.

The Personal Data That We Collect

We collect several types of information from and about users of our Website outside of the context of providing Services, including personal data. “Personal data” is information that identifies, relates to, or describes, directly or indirectly, you as an individual, such as your name, email address, telephone number, home address, or payment information.

The types and categories of personal data we collect from and about users of our Website include:

• Identifiers, such as name, postal address, email address, telephone number, or other similar identifier by which you may be contacted online or offline;
• Internet or other electronic network activity information, such as browsing history and search queries on our Website, usage details about your interactions with our Website, such as clickstream information to, through, and from our Website (including date and time), products that you view or search for, page response times, download errors, length of your visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), or methods used to browse away from a page.
• Device information, including your IP address, device identifiers, operating system and version, browser type and settings, and other device information.
• Geolocation data, such as approximate location information derived from your IP address when you visit our Website.

We also collect:

• Statistics or aggregated information. We may derive statistical or aggregated data from personal data we collect. For example, we may aggregate personal data to calculate the percentage of users accessing a specific feature of the Website.

If we combine or connect statistical, aggregated, or other data with personal data in a way that directly or indirectly identifies an individual, we treat the combined information as personal data and handle it accordingly.

How We Collect Your Personal Data

You Provide Information to Us

We collect information about you on or through our Website, that may include:

• Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, using or subscribing to our Services, or requesting further services. We may also ask you for information when you report a problem with our Website.
• Records and copies of your correspondence (including email addresses), if you contact us.
• Your responses to surveys that we might ask you to complete for research purposes.
• Your search queries on the Website.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Automatically Through Our Website

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information, which may include personal data such as usage details, IP addresses, operating system, and browser type, and information collected through cookies and other similar tracking technologies.

Using automatic collection technologies helps us to improve our Website, maintain security, and detect and prevent fraud.

The technologies we use for this automatic data collection may include:

• Cookies. A cookie is a small file placed on your device or hard drive of your computer when you interact with the Website. You may disable or refuse to accept some cookies by activating the appropriate setting on your browser or device. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Web Beacons. Some pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or parts or opened an email and for other related statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Third-Party Use of Tracking Technologies

When you interact with the Website, third parties may use their own automatic data collection technologies to collect information about you or your device. These third parties might include analytics providers, advertisers, ad networks and servers, content providers, and application providers servicing our Website.

These third parties might use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you interact with the Website. The information they collect might be associated with your personal data or they might collect information about your online activities over time in connection with the Website and across different websites and other online platforms.

From Service Providers

We may receive personal data about you from other sources and combine that with information we collect directly from you. For example, we may receive information from service providers that we engage to perform services on our behalf, such as identity verification providers, fraud prevention and detection services, and regulatory compliance service providers.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal data:

• To present our Website and its contents to you.
• To provide you with information about our products and the Services.
• To fulfill any other purpose for which you provide it.
• To improve and develop our Website, including by analyzing usage patterns, identifying service improvements, and developing new features and capabilities. This analysis may use aggregated or de-identified data derived from your information.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us.
• To notify you about changes to our Website or about changes to any products or services we offer or provide.
• To allow you to participate in interactive features on our Website.
• To display advertisements.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

The usage information we collect, whether containing or connected to your personal data or not, helps us improve our Website and Services and deliver a more personalized online experience by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize the Website to your individual interests and needs.
• Speed up our searches.
• Refine fraud and security protocols and features.
• Recognize you when you return to our Website.

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user preferences in your account profile.

Who We Disclose Your Information To

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. To the extent that we use deidentified information, we will not attempt to reidentify it except to ensure our deidentification methods are sufficient.

We may also disclose personal data that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates, if applicable.
• To contractors, service providers, and other third parties we use to support our business and organization.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by Company about users of our Website is among the assets transferred.
• To third parties to market their products or services to you if you have not opted out of these disclosures. We contractually require these third parties to keep personal data confidential and use it only for the purposes for which we disclose it to them.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal data:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms and conditions and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of our organization, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Your Rights and Choices About Your Information

This section describes mechanisms you can use to control certain uses and disclosures of your information and rights you may have under state law, depending on where you live.

Cookies and tracking technologies choices:

• Cookies and Other Tracking Technologies. You can set your browser to refuse all or some browser cookies or other tracking technology files, or to alert you when these files are being sent. If you disable or refuse cookies or similar tracking files, some parts of the Website may be inaccessible or not function properly. We do not recognize the “Do Not Track” signal.
• Promotional Offers from the Company. If you do not wish to receive promotional communications from us, you can opt out by following the opt-out or unsubscribe instructions in those communications. Please note that even if you opt out of promotional communications, we may continue to send you transactional or administrative communications.
• Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt out by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to privacy@tabapaypaymentservices.com.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

Residents of certain states may have additional personal information rights and choices. Please see “Your State Privacy Rights” and “Additional Information for California Residents” for more information.

Accessing and Correcting Your Information

You may send us an email at privacy@tabapaypaymentservices.com to request access to, correct, or delete any personal information that you have provided to us. We cannot delete your personal data except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users.

Residents of certain states may have additional personal information rights and choices. Please see Your State Privacy Rights and “Additional Information for California Residents” for more information.

Your State Privacy Rights

Depending on your state of residency, you may have certain rights related to your personal data, including:

• Access and Data Portability. You may confirm whether we process your personal data and access a copy of the personal data we process. To the extent feasible and required by state law, depending on your state, data will be provided in a portable format. Depending on your state, you may have the right to receive additional information and it will be included in the response to your access request.
• Correction. You may request that we correct inaccuracies in your personal data that we maintain, taking into account the information’s nature and processing purpose.
• Deletion. You may request that we delete personal data about you that we maintain, subject to certain exceptions under applicable law.
• Opt Out of Sharing for Targeted Advertising and Sales. You may opt-out of online tracking based targeted advertising (e.g., cookies) or other forms of targeted advertising by clicking the “Your Privacy Choices” link on the bottom of the homepage. Please note that if you change browsers or devices, or if you clear your browser’s cache, you may need to click the link again to apply your preferences. Some browsers and browser extensions support the Global Privacy Control (“GPC”) that can send a signal to process your request to opt out. When we detect such a signal, we will recognize it as required by applicable law.

Important: These privacy rights are not absolute and vary by state. They are also subject to certain exceptions or qualifications. Please note that in some cases we may not have an obligation to fulfill your request. We do not discriminate against individuals who exercise their privacy rights under applicable law.

To exercise any of the privacy rights described above, please email your request to us at privacy@tabapaypaymentservices.com, with the subject line “Consumer Privacy Rights Request.” To appeal a decision regarding a consumer privacy rights request, email your appeal to us at privacy@tabapaypaymentservices.com and indicate “Privacy Request Appeal” in the subject line of your email.

Before processing certain requests, we will verify your identity. To do so, we may ask you to provide information we can match against records we already have on file, such as your mailing address, phone number, or email address. If we are unable to verify your identity or confirm that the request was submitted by you or your authorized representative, we will not be able to process the request.

In some circumstances, you may designate an authorized agent to submit certain privacy rights requests on your behalf. To process such a request, we will require proof that you have granted the authorized agent permission to make a request on your behalf, and we may ask you to verify your identity directly with us. If you are submitting a request as an authorized agent, please follow the same process outlined above and include a copy of the signed authorization from the individual on whose behalf you are acting.

How We Protect Your Personal Data

We maintain commercially reasonable measures designed to protect your personal data from accidental loss or destruction and from unauthorized access, use, alteration, and disclosure. However, no website, mobile application, system, electronic storage, or online service is completely secure, and we cannot guarantee the security of your personal data transmitted to, through, using, or in connection with the Website. Any transmission of personal data is at your own risk. If we are required by law to inform you of a breach affecting your personal data, we may notify you electronically, in writing, or by telephone, as the law permits.

The safety and security of your information also depends on you. You are responsible for taking steps to protect your personal data against unauthorized use, disclosure, and access. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.

How We Retain Your Personal Data

We retain the categories of personal data described in this policy for as long as reasonably necessary to fulfill the purposes described or for as long as otherwise legally permitted or required, such as operating our organization, complying with our legal and regulatory obligations, resolving disputes, and for safety, security, and fraud prevention. The precise periods for which we keep your personal data vary depending on the nature of the information and why we need it. Factors we consider in determining these periods include our legal and business obligations, potential risks of harm, and nature of the information when deciding how long to retain personal data. At the end of the retention period, personal data will be deleted, destroyed, or de-identified.

Changes to Our Privacy Policy

We may update this policy from time to time. When we do, we will post the updated policy on the Website and update the “Last Updated” date at the top of the page. For material changes, we will provide notice as required by law, which may include by email or through a notice on the Website. We encourage you to check our Website periodically to see the current policy and any changes we have made to it.

Contact Information

To exercise your privacy rights, request access to this policy in an alternative format due to a disability, or ask questions or share concerns about this policy or our privacy practices, please contact us at privacy@tabapaypaymentservices.com.

Additional Information for California Residents

This section applies solely to California residents and supplements the rest of the policy above.

Information Sharing Disclosure

We do not sell personal information for monetary consideration. As described elsewhere in this policy, we may engage third parties to help us with our advertising and marketing efforts, including serving advertisements based on your interests. These third parties may use cookies and other similar tracking technologies for purposes of behavioral advertising. These activities may be considered a “sharing” for cross-context behavioral advertising under California law.

The following summarizes the categories of personal information (by reference to the categories specified under California law) we collect, disclose for a “business purpose,” and share with third parties for cross-context behavioral advertising (as those terms are defined by California law).

California Sensitive Information Disclosure

Some of the information we collect is considered “sensitive” under California law, including account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; racial or ethnic origin, citizenship or immigration status, religious or philosophical beliefs, or union membership; contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication; genetic data; neural data; biometric information; information concerning a consumer’s health, sex life, or sexual orientation; personal information of less than 16 years of age. This information is collected in order to process transactions, comply with laws, manage our business, or provide you with services. Note that we do not use such information for any purposes that are not identified within the California Privacy Rights Act Section 1798.121. We do not “sell” or “share” sensitive personal information for purposes of cross-context behavioral advertising.

Prohibited Industries

Prohibited Countries

TabaPay Payment Services, LLC (“Company” or “We”) maintain an official list of prohibited jurisdictions.

We intend to operate in all 50 states and Washington D.C. and will only transact domestically, thus not engaging in cross-border activity. We will not enter a relationship with or provide services to merchants who conduct business with any person listed on the Blocked Persons List or any person or entity located in, or a national of, a country on the Sanctioned Country List, including:

• Any person, entity, organization, or jurisdiction listed on the OFAC Specially Designated Nationals (SDN) List, Consolidated Sanctions List, or other applicable sanctions lists;
• Any counterparty that has an identified control person or beneficial owner who appears on any OFAC-administered sanctions list;
• Any business or financial activity that would violate current U.S. sanctions laws or regulations.

Prohibited Merchants and Activities

We will maintain an official list of high-risk and prohibited industries. Prohibited industries include but are not limited to Drugs, Adult and Weapons, Mass Marketing, Lottery and Illegal industries. We recognize that certain types of merchants carry more risk than others or require specialized expertise to monitor merchant activity and control risk. For these reasons, we have a strict policy to not conduct business with merchants from certain prohibited categories, including those that engage in illicit activities including, but not limited to bribery, corruption, and fraudulent activity.

As an MSB and licensed money transmitter, we will conduct business activities by way of use cases – in-store cash load transactions, store value account (SVA) with embedded payments, and account funding transactions. We will appoint agents, or authorized delegates, to assist with the in-store cash load transaction use case.

We will not engage with or support merchants operating in illegal, unauthorized, or otherwise prohibited industries. Additionally, we will also not conduct any transactions involving virtual currency nor be party to any virtual currency loans. Other merchants may be declined/approved on a case-by-case basis. We do not sell directly to consumers.

Licensing Information

TabaPay Payment Services LLC is registered with the U.S. Department of the Treasury as a Money Services Business and is licensed in the U.S. states and the District of Columbia listed below. TabaPay Payment Services LLC’s NMLS ID is 2539914. For additional information regarding our state licenses, please visit the NMLS Consumer Access website at nmlsconsumeraccess.org.

In the table below, an asterisk indicates that TabaPay Payment Services, LLC has received the relevant license, but the state doesn't issue an actual license number.

File a Complaint

If you have a complaint regarding your money transmission activity, please contact TabaPay Payment Services LLC toll-free at (888) 814-2980 or email complaints@tabapaypaymentservices.com.

If your complaint remains unresolved, you may file a complaint with the appropriate state regulatory agency. Contact information for the state regulatory agencies is contained in the State Disclosures Document (PDF).

Contact Us

We will provide a response within one business day. Please note this phone number is intended for concerns, complaints, or questions specifically regarding money transmission activity performed by TabaPay Payment Services LLC.