Frequently Asked Questions
1) Log into your seller account at https://merchant.tabit.ai/
2) Go to the Reconciliation tab
3) Use Filter List to select a date range
4) Click Download CSV to export the report
- Generated: The payment link has been created
- Captured: The transaction is complete and funds have been sent or scheduled
- Deactivated: The link was expired or cancelled before use
1) Log into https://merchant.tabit.ai/
2) Select the Users tab → Create User.
3) Enter the user’s first name, last name, and email.
4) Select either Global Admin (full access) or User (view only).
Reset your password at https://merchant.tabit.ai/ by selecting Forgot Password, adding your email, and following the instructions (if we have your email on file).
Merchants complete an onboarding form, agree to pricing terms, and select their Tabit product.
Yes. Requirements may include:
- Operating in eligible industries
- Minimum sales volume of $1M
- Canadian business registration
- Compliance with Tabit risk and fraud guidelines
- Minimum 1 year of operation
Tabit helps merchants increase average order value, improve conversion rates, and offer customers more flexibility without taking on credit risk.
Merchants typically receive funds within 1–2 business days after transaction approval, minus the agreed merchant fee.
Refunds are initiated by the merchant through their regular process.
The customer’s outstanding loan is adjusted or closed based on the refund amount. Refunds reduce or eliminate future payments.
Yes. Merchants can configure minimum purchase amounts, eligible categories, and promotional terms depending on their setup.
You can log into your buyer account here: https://my.tabit.ai/ to see your loan balance, next payment date, and weekly payment.
You can find your credit limit by visiting: connect.tabit.ai
Yes. Please reach out to our customer service team at hello@tabit.ai and they will arrange for an additional payment.
You can apply for credit here: connect.tabit.ai to discover if you will be approved and what your credit limit is.
No, applying for credit involves a soft credit check so will not affect your credit.
Nothing. Your credit limit will expire 60 days after applying.
Please reach out to your desired vendor. If they offer Tabit, they will provide you with a payment link to complete the transaction.
We currently do not have a publicly available list of partners.
If you have a vendor you would like to use Tabit at who does not currently work with us, please have them reach out to us here: https://tabit.ai/contact-us/
Once we receive notification from the seller that they have processed the refund, we will adjust your loan balance or return payments within 7–10 days.
We will attempt to pull the payment again in X business days.
Payments typically appear as Merchant Growth Fund or Merch Pad Inv, depending on your bank.
Typically this is due to business revenue or credit bureau data landing below our minimum approval criteria for the requested financing amount. We recommend waiting at least 2 months before reapplying.
Please reach out to our customer support with a PAD, VOID cheque, or DDF form and they will be able to update your banking information.
Yes! Please reach out to hello@tabit.ai and they can provide you with a zero balance letter.
Our rates and terms vary by seller to seller, however they will all range between 4-52 weeks and our rates will range from 0%-12.99%.
We will provide you with a copy of the loan agreement to review during the transaction process before you accept.
Once you accept the loan, we will email you a copy of the loan agreement in English and French.
If you have lost your copy, please reach out to us at hello@tabit.ai and we will issue you a new copy.
While we work to have this process be as smooth as possible, sometimes this does occur.There is an option to upload your bank statements (6 months) and a void cheque below the digital bank connection.
Yes, we do a soft credit check.
Our minimums to approve are:
- 6 months of operation
- Minimum $5,000 a month in revenue
- Credit score of 600 or greater
- 5 + revenue deposits a month on average
Yes. Please reach out to and they will be able to provide you with proof of payment.
Buyers who are eligible for a higher credit limit will be given the option to request a manual review during the application process.
If you were not given this option, you will be eligible for a review 60 days after your initial application.
We provide access to your buyer account after you have accepted your first loan.
At checkout, customers select Tabit Pay-Over-Time, complete a short application, verify identity, and receive a decision in minutes.
Basic personal details, contact information, and bank verification or manual statement upload (depending on financing amount and product tier).
Tabit may apply late fees, NSF fees, or payment rescheduling rules depending on the loan agreement. All costs are disclosed before the customer accepts the terms.
Limits depend on loan product, underwriting decision, and merchant category.
Certain products or services may be restricted for legal, regulatory, or underwriting reasons.
Approval decisions consider credit, cash flow, fraud checks, and banking information. Tabit cannot disclose underwriting details to merchants.
Customers can contact Tabit support directly.
Merchants can reach the Tabit merchant support team via email or phone.
Yes. Tabit uses bank-level encryption and complies with Canadian financial regulations.
Tabit may report loan activity depending on product type and bureau requirements. This is disclosed in the financing agreement.
Merchants handle product-related or order-related questions.
