specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Tap Payments
providerId: tap-payments
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Fintech
- Payment Gateway
- MENA
- Rate Limiting
- Quotas
description: >-
  Tap Payments does not publish fixed numeric rate limits for its REST API in the
  public developer reference. As a card-present/card-not-present payment gateway,
  throughput is governed operationally - by acquirer and scheme limits, fraud and
  velocity controls, and per-merchant risk configuration - rather than by a
  published per-minute request cap. Clients should treat the API as rate-limited
  in principle, handle HTTP 429 responses with exponential backoff, and rely on
  idempotency/reference fields to avoid duplicate charges on retry.
notes: >-
  No numeric per-account or per-endpoint request limits are documented as of the
  review date. Verify any limits and burst behavior directly with Tap during
  reconciliation, especially for high-volume or marketplace integrations.
sources:
- https://developers.tap.company/docs/get-started
- https://developers.tap.company/reference/api-endpoint
responseCodes:
  throttled: 429
limits:
- name: REST API Requests
  scope: account
  metric: requests
  limit: not published
  notes: No fixed numeric request-rate limit is documented for the Tap REST API.
- name: Payment Velocity / Fraud Controls
  scope: merchant
  metric: transactions
  limit: risk-configured
  notes: Transaction throughput is subject to scheme, acquirer, and per-merchant fraud/velocity rules rather than a documented API cap.
policies:
- name: Backoff Strategy
  description: On HTTP 429, back off exponentially with jitter and retry idempotently.
- name: Idempotent Retries
  description: Use the reference / metadata fields on charges to correlate and de-duplicate retried payment requests.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com