The Full Payment Infrastructure Platform
Power payments for businesses and users - from issuing and processing to QR, wallets, and AI identity - all in one unified platform.
Principal Member of
200+
One QR Code. Wallets & Financial Institutions Connected.
150+
Countries Supported
99.99%
Uptime SLA
10M+
Built for Millions of Users
One Platform. Multiple Capabilities.
Everything you need to issue, process, accept, and manage payments globally.
Issuing
Create and manage Visa & UnionPay cards.
Acquiring
Accept payments online and in-store.
Processing
High-performance processing and routing.
QR Payments
Interoperable QR across banks & wallets.
Identity & KYC
AI-powered onboarding and verification.
Baas & Embedded Finance
Launch wallets, cards, accounts, and financial services inside your own app.
Core Payment Processing Engine
Powering every transaction with speed, reliability, and enterprise-grade security.
Switching
Real-time transaction routing and authorization.
Card Management
Full lifecycle control of cards and credentials.
Merchant Management
Onboarding, monitoring, and performance tools.
HSM & Security
Encryption, key management, and fraud protection.
Banking-as-a-Service
& Embedded Finance
Embed regulated financial capabilities seamlessly into your platform.
White-Label wallets
Launch branded digital wallets in days.
Card Issuing APIs
Issue physical and virtual card at scale.
Accounts & Ledgers
Real-time account management and ledger APIs.
Embedded payouts
Disburse funds instantly to users anywhere.
Issuing
Launch Visa & UnionPay Cards at Scale
Debit, credit, prepaid, and virtual cards for any business.
Processing
Power Every Transaction
Switching, routing, authorization and settlement you can rely on.
Acquiring
Accept Payments Everywhere
Online, in-store, QR, wallets, and contactless payments.
Hardware
Smart Devices for Every Business
SoftPOS, POS terminals, and complete solutions.
Drive Growth with Promotions
Engage users, increase transactions, and boost retention.
Cashback
Reward users and increase spending.
Offers
Run targeted campaigns that convert.
Coupons
Create and manage promotional campaigns.
Loyalty Programs
Build long-term customer relationships.
Discounts
Manage limited-time deals and savings
Used by millions of users worldwide to save and earn more.
Accept & Move
Money Anywhere
Accept payments and send money across global networks.
Visa Cards
Accepted worldwide
UnionPay
Accepted in 180+ countries
QR Payments
One QR across networks & wallets
Wallets
Apple Pay, Google Pay, Huawei Pay & more
Visa Direct
Send money in real-time
Bank Transfers
Local and cross-border transfers
From Tap-to-Phone
to Full POS Systems
Power every business with the right hardware.
SoftPOS (Tap to Phone)
Turn any Android device into a payment terminal.
POS Terminals
Secure, reliable, and built for every environment.
Restaurant & Retail Systems
Complete cashier and business management solutions.
Built on Trust.
Secured for Scale.
PCI DSS
Certified
KYC / AML
Certified
Global Data Protection
Certified
Build the Future of Payments with appopay
Join banks, fintechs, and businesses worldwide building on appopay.