Taptap Send money-transfer data API

Taptap Send Ltd · Payments

Taptap Send: Money Transfer is the Android client of UK-based Taptap Send Ltd for people in Europe, the Gulf and the United States who send money home to family in Africa. Senders pick a corridor, see a live FX quote on the landing calculator, fund with a debit card (Adyen, Checkout.com or Worldpay), an open-banking debit via Lean, a bank transfer or the in-app wallet, and pay out to mobile money (M-Pesa, MTN, Orange Money, Wave), a bank account or cash pickup. The same logged-in shell holds a Marqeta spend card with Google Pay push-provisioning, bill pay, a virtual bank account, cashback offers, UAE Beyon eKey sign-in and an SMB signup path. It competes with Wise, Remitly, WorldRemit and bank FX desks for diaspora senders moving funds from France, Germany and Spain toward Nigeria, Morocco and the rest of the receive network.

Landing FX quotes stamp sendAmount against a live fxRate before a remittanceId is minted for the chosen corridor. Wallet and card records then carry availableBalance, walletBalance and refundableBalance, while saved recipients hold recipientName, recipientPhone and payoutCountry for mobile-wallet and bank payouts.

Open-banking Lean bank links and virtual-account iban / accountHolder rows let treasury reconcilers match inflows to the same user. Diaspora payroll desks, family-office ledgers and beneficiary-KYC tools consume that data; openData Studio turns it into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Landing FX quote
GET /v1/rates/quote opendata
Returns the landing-calculator FX quote for a send/payout currency pair — sendAmount, receiveAmount, fxRate and fees — used before a remittance is booked.
Auth: Optional session cookie after phone OTP / Google / Apple sign-in; logged-out visitors still read the public quote. Anti-bot challenge token header.
- sendCurrency
- payoutCurrency
- sendAmount
- receiveAmount
- fxRate
- feeAmount
- providerFee
- corridor
- fxRatesForLoggedOutUser
```
GET /v1/rates/quote?sendCurrency=EUR&payoutCurrency=NGN&sendAmount=250 HTTP/1.1
Accept: application/json
X-Client-Challenge: <challengeToken>
```
```
{
  "sendCurrency": "EUR",
  "payoutCurrency": "NGN",
  "sendAmount": 250.00,
  "receiveAmount": 412500.00,
  "fxRate": 1650.00,
  "feeAmount": 1.99,
  "providerFee": 0.00,
  "corridor": "FR-NG",
  "fxRatesForLoggedOutUser": true
}
```
Home shell bootstrap
GET /v1/session/bootstrap openfinance
Hydrates the signed-in home shell — feature flags, wallet snapshot and banners — after login.
Auth: Session after phone OTP / Google / Apple / Beyon eKey sign-in; anti-bot challenge token header.
- homeContext
- frontendContext
- featureFlags
- walletBalance
- sendCurrency
- banners
```
GET /v1/session/bootstrap HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
X-Client-Challenge: <challengeToken>
```
```
{
  "homeContext": "signed_in",
  "frontendContext": {
    "featureFlags": ["WALLET", "PHYSICAL_CARD", "BILLPAY"],
    "walletBalance": 184.20,
    "sendCurrency": "EUR"
  },
  "banners": []
}
```

List remittances

GET /v1/sends openbanking

Pages the sender's remittance history with remittanceId, amounts, corridor and transferStatus for the activity list and send-again flow.

Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.

remittanceId
sendAmount
receiveAmount
sendCurrency
payoutCurrency
destinationCountry
transferStatus
paymentMethodType
corridor

GET /v1/sends?limit=20 HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json

{
  "items": [
    {
      "remittanceId": "rmt_8f21a04c",
      "sendAmount": 250.00,
      "receiveAmount": 412500.00,
      "sendCurrency": "EUR",
      "payoutCurrency": "NGN",
      "destinationCountry": "NG",
      "transferStatus": "DELIVERED",
      "paymentMethodType": "card",
      "corridor": "FR-NG"
    }
  ]
}

List transfers

GET /v1/remit-payouts openbanking

Returns sent-transfer rows (with a companion view for inbound transfers) keyed by transferId and remittanceId.

Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.

transferId
remittanceId
transferStatus
statusName
sendAmount
payoutCountry

GET /v1/remit-payouts?transferType=sent HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json

{
  "items": [
    {
      "transferId": "tr_9c21",
      "remittanceId": "rmt_8f21a04c",
      "transferStatus": "DELIVERED",
      "statusName": "Delivered",
      "sendAmount": 250.00,
      "payoutCountry": "NG"
    }
  ]
}

Unified transaction history

GET /v1/activity openbanking

Merges remittance, wallet, card and cashback rows into one activity feed.

Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.

txnType
remittanceId
sendAmount
transferStatus
cashbackAmount
last4

GET /v1/activity?limit=30 HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json

{
  "items": [
    {
      "txnType": "REMITTANCE",
      "remittanceId": "rmt_8f21a04c",
      "sendAmount": 250.00,
      "transferStatus": "DELIVERED"
    },
    {
      "txnType": "CARD",
      "cashbackAmount": 1.25,
      "last4": "4412"
    }
  ]
}

List payout recipients

GET /v1/beneficiaries osint

Returns saved payout recipients — name, phone, country and mobile-wallet or bank details — for send-again.

Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.

recipientId
recipientName
recipientPhone
payoutCountry
payoutCurrency
paymentMethod
accountNumber
bankName

GET /v1/beneficiaries HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json

{
  "items": [
    {
      "recipientId": "rcp_44ab",
      "recipientName": "Amina Okonkwo",
      "recipientPhone": "+2348012345678",
      "payoutCountry": "NG",
      "payoutCurrency": "NGN",
      "paymentMethod": "mobileWallet",
      "accountNumber": null,
      "bankName": null
    }
  ]
}

Card available balance
GET /v1/spend-card/balance openbanking
Reads spendable balance and PAN last4 for the Marqeta virtual/physical card.
Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.
- availableBalance
- sendCurrency
- last4
- expiryMonth
- physicalCardId
```
GET /v1/spend-card/balance HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
```
```
{
  "availableBalance": 184.20,
  "sendCurrency": "EUR",
  "last4": "4412",
  "expiryMonth": 9,
  "physicalCardId": "crd_88f1"
}
```

Wallet statements

GET /v1/remit-wallet/ledger openbanking

Pages in-app wallet ledger rows and the current walletBalance for the statements screen.

Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.

walletBalance
sendCurrency
txnType
sendAmount
transferStatus

GET /v1/remit-wallet/ledger?from=2026-09-01&to=2026-10-01 HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json

{
  "walletBalance": 184.20,
  "sendCurrency": "EUR",
  "items": [
    {
      "txnType": "TOPUP",
      "sendAmount": 100.00,
      "transferStatus": "SETTLED"
    }
  ]
}

Withdraw wallet to bank
POST /v1/cashouts openfinance
Creates a wallet cash-out to a bank account after SCA, returning withdrawalId and remaining refundableBalance.
Auth: Session after phone OTP / Google / Apple sign-in; strong customer authentication check before release; anti-bot challenge token header.
- withdrawalId
- sendAmount
- iban
- sortCode
- accountNumber
- accountHolder
- refundableBalance
- transferStatus
- scaStatus
```
POST /v1/cashouts HTTP/1.1
Cookie: session=<sessionToken>
Content-Type: application/json

{
  "sendAmount": 80.00,
  "iban": "FR1420041010050500013M02606",
  "sortCode": null,
  "accountNumber": null,
  "accountHolder": "Marie Dupont"
}
```
```
{
  "withdrawalId": "wd_17c2",
  "sendAmount": 80.00,
  "refundableBalance": 104.20,
  "transferStatus": "PENDING",
  "scaStatus": "APPROVED"
}
```
Wallet conversion rates
GET /v1/rates/convert opendata
Quotes an in-wallet currency conversion rate separate from the remittance landing FX.
Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.
- from
- to
- conversionRate
- fxRate
```
GET /v1/rates/convert?from=EUR&to=GBP HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
```
```
{
  "from": "EUR",
  "to": "GBP",
  "conversionRate": 0.8421,
  "fxRate": 0.8421
}
```
Bill-pay merchants
GET /v1/utilities/billers opendata
Lists billers in a receive country for the bill-pay flow, alongside saved bills and bill-payment history views.
Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.
- merchantId
- billerName
- payoutCountry
- payoutCurrency
```
GET /v1/utilities/billers?payoutCountry=NG HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
```
```
{
  "items": [
    {
      "merchantId": "biller_ikeja",
      "billerName": "Ikeja Electric",
      "payoutCountry": "NG",
      "payoutCurrency": "NGN"
    }
  ]
}
```
Source-of-funds KYC
GET /v1/profile/funding-declaration osint
Reads the sender's KYC source-of-funds, occupation and income band used to gate remittance limits.
Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.
- sourceOfFunds
- occupation
- monthlyIncome
- monthlySpending
- dateOfBirth
- nationality
- domicile
```
GET /v1/profile/funding-declaration HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
```
```
{
  "sourceOfFunds": "SALARY",
  "occupation": "Engineer",
  "monthlyIncome": "5000_9999",
  "monthlySpending": "1000_1999",
  "dateOfBirth": "1991-04-18",
  "nationality": "FR",
  "domicile": "FR"
}
```
Lean open-banking connection
GET /v1/bank-links/current openfinance
Returns the Lean open-banking bank link used to debit the sender, including IBAN and payment intent id.
Auth: Session after phone OTP / Google / Apple / Beyon eKey sign-in; anti-bot challenge token header.
- connected
- bankName
- iban
- accountHolder
- intentId
```
GET /v1/bank-links/current HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
```
```
{
  "connected": true,
  "bankName": "FAB",
  "iban": "AE070331234567890123456",
  "accountHolder": "Marie Dupont",
  "intentId": "lean_pi_9a10"
}
```
Virtual bank account
GET /v1/funding-accounts/virtual openbanking
Returns the sender's virtual IBAN / account-holder details used to top up the Taptap wallet.
Auth: Session after phone OTP / Google / Apple sign-in; anti-bot challenge token header.
- accountHolder
- iban
- bankName
- sendCurrency
- walletBalance
```
GET /v1/funding-accounts/virtual HTTP/1.1
Cookie: session=<sessionToken>
Accept: application/json
```
```
{
  "accountHolder": "Marie Dupont",
  "iban": "FR7612345987650123456789014",
  "bankName": "Lead Bank",
  "sendCurrency": "EUR",
  "walletBalance": 184.20
}
```

Where teams use this data

Diaspora remittance reconciliation
A family office or payroll sender matches each booked corridor to remittanceId, sendAmount, receiveAmount and transferStatus so EUR outflows to NGN/XOF wallets land on the same night's ledger.
Wallet and card spend monitoring
A treasury bot reads availableBalance, walletBalance and refundableBalance, then diffs unified-tx-history cashbackAmount and card last4 against the Marqeta spend card.
Payout-recipient directory
A compliance screen pulls recipientName, recipientPhone, payoutCountry and paymentMethod (mobile wallet vs bank) to keep beneficiary KYC in sync with send-again.
Open-banking debit matching
A Lean-connected funding flow joins connectionDetails.iban and intentId to withdrawV2 cash-outs so open-banking debits and wallet withdrawals share one accountHolder.

Frequently asked questions

What money-movement fields sit behind Taptap Send?

Each booked send carries remittanceId, sendAmount, receiveAmount, fxRate, corridor and transferStatus. The activity list also joins transferId and a unified feed that mixes remittance, wallet and card cashback rows.

Does the app expose a wallet or card balance?

Yes. The Marqeta card returns availableBalance and last4; the in-app wallet returns walletBalance on statements and refundableBalance after a bank cash-out. A virtual IBAN (accountHolder, iban, bankName) tops up the same wallet.

How do senders authenticate?

Phone OTP, Google or Apple sign-in, plus Beyon eKey in the UAE. Later calls ride that session together with an anti-bot challenge token. Lean open-banking and strong customer authentication checks gate wallet withdrawals.

Which payout rails show up on recipients?

Saved recipients include recipientName, recipientPhone, payoutCountry and paymentMethod — mobile wallets such as M-Pesa, MTN, Orange Money and Wave, plus bank accountNumber / iban and cash pickup.

Apps similar to Taptap Send: Money Transfer

Remitly: Send Money & Transfer — Remitly is a Seattle-based remittance app that sends to bank accounts, mobile wallets or cash-pickup locations in 175-plus countries.
Wise: International Transfers — Wise is an international money app that sends to 140-plus countries at the mid-market exchange rate and holds a multi-currency account.
WorldRemit — WorldRemit is a London-based digital remittance app that sends to more than 130 countries, with payout via bank deposit, mobile money, cash pickup or airtime top-up.
Western Union Send Money Now — Western Union sends money in its app, online or at agent locations to cash pickup, bank accounts or mobile wallets in 200-plus countries and territories.
Sendwave — Sendwave is a Zepz remittance app that started with Kenya and Ghana and pays out via bank deposit, mobile wallet, cash pickup or airtime top-up in African and other emerging markets.
Xoom: Send Money & Transfer — Xoom is PayPal's digital money-transfer service that sends from the United States, Canada, the United Kingdom and select European countries to bank accounts, mobile wallets or cash pickup in 160 countries.
Ria Money Transfer — Ria Money Transfer is a Euronet Worldwide subsidiary that specializes in customer-to-customer international remittances through a global agent network and a mobile app.
MoneyGram — MoneyGram is a Dallas-based peer-to-peer money-transfer company that sends funds for cash pickup, mobile wallet or bank deposit through about 400,000 agent offices in more than 200 countries and territories.

More Payments apps

Topics

taptap send api
remittance fx rate
remittanceId
wallet balance
availableBalance
recipient payout
lean open banking
virtual iban
card cashback
bill pay africa

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Taptap Send money-transfer data API

Screenshots

API surface

Landing FX quote

Home shell bootstrap

List remittances

List transfers

Unified transaction history

List payout recipients

Card available balance

Wallet statements

Withdraw wallet to bank

Wallet conversion rates

Bill-pay merchants

Source-of-funds KYC

Lean open-banking connection

Virtual bank account

Data categories

Where teams use this data

Diaspora remittance reconciliation

Wallet and card spend monitoring

Payout-recipient directory

Open-banking debit matching

Frequently asked questions

Apps similar to Taptap Send: Money Transfer

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BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?

Taptap Send money-transfer data API

Screenshots

API surface

Landing FX quote

Home shell bootstrap

List remittances

List transfers

Unified transaction history

List payout recipients

Card available balance

Wallet statements

Withdraw wallet to bank

Wallet conversion rates

Bill-pay merchants

Source-of-funds KYC

Lean open-banking connection

Virtual bank account

Data categories

Where teams use this data

Diaspora remittance reconciliation

Wallet and card spend monitoring

Payout-recipient directory

Open-banking debit matching

Frequently asked questions

Related apps

Apps similar to Taptap Send: Money Transfer

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?