apayOpen infrastructure for a fragmented market
Payments in Asia are dozens of processors, schemes and bank APIs. apay puts one open, portable layer in front of them so platforms integrate once and banks distribute through one contract.
Built to last
A payment switch proven at scale, operated by apay, with the partner contracts behind it and the merchants in front of it. Your integration stays portable.
Partner led
We never compete with our banks. apay is a distribution and technology partner, and settlement always stays with the licensed institution.
Lean
A small team, a small stack, and a preference for shipping a working sandbox over a slide deck.
Status
apay is in its pilot phase. The sandbox at apay.to is live for merchants and developers. Live processing is enabled per market as partner banks and processors complete onboarding. Legal entity, licensing route and partner details are available under NDA at partners@apay.to.