E-Wallet & Payment Gateway

One Wallet, One QR. Global
Acceptance!

Appo Pay App

The world’s first EMV-compliant, interoperable Unified QR Code—built to support Visa, UnionPay, wallets and contactless payments under one global standard.

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8.5
What our customers are saying

Take your digital Wallet experience GLOBAL

Partners & Integrations
About Us

Building the Future of Digital Payments

We’re transforming how the world pays with an EMV-compliant Unified QR Code that enables frictionless payments across countries, card networks, and wallets.

As licensed issuers and acquirers for UnionPay and Visa, we enable:

Secure QR payments across global brands

Secure QR payments across global brands

Real-time acquiring and card issuing

Real-time acquiring and card issuing

Seamless interoperability between wallets banks and merchants

Seamless interoperability between wallets banks and merchants

Support for NFC, tokenization, and in-app transactions, (contactless Payments)

Support for NFC, tokenization, and in-app transactions, (contactless Payments)

Your money, when you need it

Your money, when you need it

From here to everywhere, your money moves with you

From here to everywhere, your money moves with you

Control Your Finance
Why Choose Us

Why Millions Trust Us for Their Payments

EMV-Compliant QR Code Meets international security standards for QR-based card payments
(EMVCo), supported globally.

Contactless Payments, safety ready for anything!!

Tokenized & Contactless Payments Compatible with all modern payment methods—physical and digital.

Tokenized Payments
+

INTEROPERABILITY

True Global Interoperability
One QR code works with UnionPay, Visa, Google Pay, Apple Pay, and regional wallets.

Fully licensed rails for issuing and acquiring with UnionPay and Visa.

QR Code Payment
Key Features

Feature Card
Highlight

EMV QR Code Security Built In Our Unified QR Code follows the EMVCo global standard, ensuring secure, reliable acceptance across compliant devices and acquirers worldwide.

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Analytics & Financial

Stay in control of your money with powerful analytics, personalized insights that help you save smarter and spend better.

Payment Gateway

Send and receive money without friction. Our secure payment gateway connects you to merchants, services, and friends, so you can pay or get paid anytime, anywhere.

Financial Reports

Gain a clear picture of your money. Our financial reports give you detailed insights into your expenses, presented in clean, easy-to-understand visuals.

Services & Cashback

Why just spend when you can earn? Get cash back when you shop with a partner merchant. Your wallet isn’t just for payments, it’s your all-in-one hub. Recharge your mobile, pay bills, shop online, or transfer money in just a few taps. Wherever life takes you, we’ve got the services to keep you moving.

Product

Why Millions Trust Us for
Their Payments

Digital Wallet

It’s not just about payments—it’s about control. Track spending, view insights, and enjoy rewards, all while keeping your finances secure at your fingertips.

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Data Protection

Our wallet infrastructure is designed with enterprise-grade security and regulatory compliance at its core, ensuring the confidentiality, integrity, and availability of your financial data.

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Global Support

From daily expenses to international adventures, our global support makes sure your wallet is always connected, always secure, and always ready.

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Secure & Reliable

From everyday purchases to enterprise-level financial management, our wallet delivers a secure and reliable experience—so you can focus on what matters most, with complete peace of mind.

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k+

Active Users

k+

Daily Transactions

%

Security Guaranteed

+

Integrated Merchants

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The Best Payment Experience

8.1
What our customers are saying

Wallet Update -- EMV Feature Highlights

Dynamic Data Authentication (DDA):

Each transaction generates a unique cryptographic code, making it nearly impossible for fraudsters to duplicate card data.

Cardholder Verification Methods (CVMs):

EMV supports multiple CVMs including PIN, signature, or device-based authentication (biometric/OTP), strengthening user identity validation.

Enhanced Fraud Prevention:

EMV significantly reduces counterfeit, lost, and stolen card fraud by verifying both the card and the cardholder at the point of sale.

Regulatory & Compliance Aligned:

Designed in accordance with PCI DSS, PSD2, and EMVCo specifications, ensuring compliance with global financial security requirements.

Global Standard & Acceptance:

Accepted at millions of terminals worldwide, EMV ensures interoperability across borders and seamless payments no matter where you travel.

Fast, Reliable Processing:

Optimized for modern payment flows, EMV ensures efficient authorization while maintaining the highest level of protection.

Dual Interface Capability:

Support for contact, contactless (NFC), and mobile EMV transactions—giving customers flexibility and speed without compromising security.

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Testimonials

What Our Users Say

Payments made easy

“I use the wallet for everything—from groceries to online shopping and it’s unbelievably simple. One tap and I’m done. No more juggling multiple apps or cards.“

Emma

Emma

Panama City, Panama

Super secure and reliable

“I travel a lot for work, and payments used to be a headache. Now, whether I’m in Panama City or Brasília transactions are smooth, fast, and stress-free.“

José

José

Santiago, Panama

Fast and hassle-free

“Security was my biggest concern, but this wallet gives me total peace of mind. Knowing no mnney can leave my account without my personal pen and not having to carry cash make me feel in control every time I pay.“

Thiago

Thiago

Brasilia, Brazil

Love the analytics feature

“The built-in analytics is a game-changer! I can finally see where my money goes each month with clear reports and smart insights. It’s like having a personal finance coach in my pocket.“

Ana

Ana

Santiago, Panama

Secure, Reliable, and Insightful

“This digital wallet has transformed the way I manage my finances. Payments are seamless and consistently reliable, backed by security features that give me complete confidence. What sets it apart is the robust analytics—clear reports and spending insights that help me make smarter financial decisions every day. A truly professional solution for anyone seeking both convenience and control.“

Michael Luixz

Michael Luixz

Toronto

Our Blog

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FAQs

Frequently Asked Questions

A digital wallet is a secure app that lets you store your payment methods—like cards, bank accounts, and even loyalty points—in one place. It allows you to pay, send, and manage money digitally without needing cash or physical cards.
Satisfied User

Join Millions of Satisfied Users!

From local shops to global brands, millions of people rely on our wallet for secure and seamless payments every day.