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A Stripe alternative for Asia

Stripe is an excellent processor where it operates. apay is a different shape of product: one integration that routes to many processors and partner banks, so a platform can cover Singapore, Hong Kong, the Philippines, Indonesia, Malaysia, the UAE and Central Asia without integrating each one.

	Single processor	apay
Integration	One API per processor; each new market may mean a new integration	One API and one checkout for every processor and market
Local methods	Only the methods that processor offers in that country	GCash, virtual accounts, QRIS, PayNow, FPS, FPX, Kaspi and more, each through the processor or bank that does it best
Markets without the processor	Not available, or cross-border only	Partner processors and banks per market, including ones global processors do not serve
Routing and retries	None	Rules by amount, currency, country and card network; retry on a second processor
Wallets	Apple Pay and Google Pay through that processor	Through whichever processor handles the payment; certificates managed by apay
Card vault	Tokens locked to the processor	apay vault; tokens usable across processors
Portability	Migration means re-integration and re-tokenisation	Standard, documented API; switch processors in the dashboard
Contracts and settlement	With the processor	With the processor or partner bank of your choice; apay is the technology layer

When a single processor is the right choice

If you sell in one country that processor serves well, with cards and a couple of wallets, and you do not expect to expand, integrate it directly. You can still route it through apay later without re-integrating.

When apay is the right choice

You sell in two or more Asian markets, or plan to
Local methods matter: bank transfers, e-wallets, QR
You want to change or add processors without touching your code
You need payouts, virtual accounts or cards through partner banks
You want your card tokens to stay portable

Try the checkout See markets