apayTarget partners
Who to approach in each market, through which door, and what to ask for. Keep this list current; it is the outreach tracker.
Fastest route: processors and BaaS intermediaries
These already hold the bank relationships and onboard platforms in weeks. They are the pragmatic first live connectors while direct bank partnerships mature. All are existing or straightforward apay connectors.
| Partner | Markets | Rails | Route | Status |
|---|---|---|---|---|
| Airwallex | SG, HK, AU, global | Cards, Apple/Google Pay, local methods, payouts, issuing | Self-serve sandbox, sales for live | connector exists |
| Stripe | SG, HK, JP, AE, MY, TH | Cards, wallets | Self-serve test account | connector exists |
| Adyen | SG, HK, JP, AE, global | Cards, wallets, local methods | Sales-led, needs volumes | connector exists |
| Checkout.com | SG, HK, AE, global | Cards, wallets, PayFac model | Sales-led | connector exists |
| Xendit | ID, PH | Cards, e-wallets (GCash, OVO), virtual accounts, payouts | Self-serve sandbox | connector exists |
| Fiuu (Razer Merchant Services) | MY, SG, TH, PH, ID | Cards, local wallets, online banking | Sales-led | connector exists |
| Razorpay, PayU, Cashfree | IN | Cards, UPI, netbanking | Indian entity required | connectors exist |
| Nium, Aspire | SG | Payouts, virtual accounts, cards | Sales-led | payout connectors (Nium) |
Direct bank partners by market
| Market | Bank | Programme | Why | Door | Status |
|---|---|---|---|---|---|
| Philippines | Netbank | Banking-as-a-service (accounts, virtual accounts, disbursements, cards via Thredd) | Built to sponsor fintechs; Series B 2026 | Partnerships team via website; warm intro through fintech associations | to contact |
| Hong Kong | ZA Bank | BaaS APIs, HKD/USD accounts, FPS | Virtual bank, open to fintech and Web3 clients | Business banking / BaaS team | to contact |
| Singapore, Indonesia | Standard Chartered nexus / audax | Enterprise BaaS for platforms | Proven with Bukalapak; enterprise scale | Enterprise sales; expect long cycle | to contact later |
| UAE | Wio Bank | Platform bank, embedded finance | Positioned for platforms and SMEs | Embedded finance team | to contact |
| UAE | Zand Bank | Digital bank for fintech and institutional clients | Fintech focus; cross-border with Mastercard | Institutional clients team | to contact |
| Indonesia | Bank Permata, Bank Sahabat Sampoerna | Virtual account issuers behind PSPs | VA transfers are the default payment method | Via Xendit first, direct later | via processor |
| Japan | SBI Sumishin Net Bank, GMO Aozora | NEOBANK BaaS platforms | Mature BaaS, domestic only, needs JP entity | Later | later |
| Turkey | Fibabanka | BaaS with brand partnerships | Bridge market for CIS founders | Digital partnerships | to contact |
| Kazakhstan | Freedom Bank; AIFC licence route | APIs, virtual cards | Most fintech-friendly in CIS; AIFC issues licences to foreign entities | Bank fintech team; AIFC Fintech Lab | to contact |
| Uzbekistan | Kapitalbank (Payme), TBC Uzbekistan | Open banking rollout 2026 | Rising appetite, fintech strategy 2026 to 2030 | Digital business units | to contact |
| Armenia | Ameriabank, Evocabank | Business APIs | Serve relocated businesses, PSP licences available | Corporate digital teams | to contact |
| Georgia | TBC Bank, Bank of Georgia | Open API programmes | Same as Armenia; strong tech teams | Developer programmes | to contact |
Issuing partners (instant cards to the phone)
| Partner | Coverage | Notes |
|---|---|---|
| Thredd (with Netbank) | PH, global | Cards-as-a-service, push provisioning to Apple and Google Wallet |
| Paymentology | Asia, MENA, Africa | Issuer processor with many BIN sponsor banks |
| Marqeta | US, EU, AU, SG (limited) | Best sandbox for prototyping issuing flows |
| Lithic | US | Instant sandbox, useful for demos only |
| Airwallex Issuing | SG, HK, AU, EU | Virtual and physical cards on the same platform as acquiring |
| Nium | SG, global | Card issuing plus payouts |
Ordering the outreach
- Week 1: open self-serve sandboxes at Airwallex, Stripe and Xendit; attach them to apay so Apple Pay and Google Pay demos run on real processor sandboxes.
- Week 1 to 2: contact Netbank, ZA Bank, Wio and Freedom Bank with the partner overview and a demo link.
- Week 3+: follow up with the due-diligence pack, book scoping calls, pick one bank per region for a pilot.
- Keep Standard Chartered nexus, Japanese banks and Indian sponsor banks for after the first pilot; they need volume and local entities.
Tracker
Copy this table to a shared sheet; one row per contact with date, person, channel, next action.
| Date | Partner | Contact | Channel | Stage | Next action | Owner |
|---|---|---|---|---|---|---|
Questions: dev@apay.to · Back to docs