APS HOLD Advanced Payment Solutions Holding

Payment solutions for every part of the chain

Merchants, payment gateways, PSPs, platforms and banks all run on the same AI core. Each gets the tools that fit how they work.

Merchants

Accept payments wherever your customers are. Our AI helps more good payments go through and stops fraud before it costs you money.

Omnichannel acceptance

Online, in-app and in-store payments managed in one place.

Higher approval rates

Smart authorization and retries recover payments that would otherwise fail.

Fraud protection

Every payment screened in real time, with less friction for genuine customers.

Disputes and chargebacks

Evidence gathered automatically and responses tracked to resolution.

Subscriptions and recurring billing

Saved cards, automatic card updates and retry logic for renewals.

Clear settlement and reporting

Predictable payouts and reports that match your accounting.

Payment gateways and PSPs

Strengthen your own offer with AI-driven processing, routing and risk, delivered under your brand and connected through one API.

White-label gateway

Checkout, processing and merchant tools ready to brand as your own.

Orchestration and routing

Connect several acquirers and let the AI pick the best route per payment.

Risk as a service

Fraud and risk scores for every transaction, returned in real time.

Merchant onboarding

Automated KYB, document checks and underwriting support.

Portfolio monitoring

Early warnings on merchant risk, refund spikes and unusual activity.

Reconciliation

Transactions, fees and settlements matched across every connection.

Platforms and marketplaces

Make payments part of your product. Onboard sellers, take payments, split funds and pay out, all from one integration.

Embedded payments

Payment acceptance built into your platform for every sub-merchant.

Split payments

Divide each payment between sellers, partners and your own commission.

Payouts

Send funds to sellers’ bank accounts and wallets on your schedule.

Seller onboarding

Verification flows that get legitimate sellers trading quickly.

Agent-ready checkout

Accept orders placed by AI shopping agents, within limits their users set.

Revenue insights

See payment volume, approval rates and payouts across your whole platform.

Banks and acquirers

Add AI to your acquiring and payment operations without replacing the systems you already rely on.

AI decisioning layer

Real-time decisions that work alongside your existing processing.

Merchant risk management

Continuous monitoring of every merchant in your portfolio.

AML and transaction monitoring

Automated screening with cases prioritised for your analysts.

New product launches

Bring new payment products to market on a modern platform.

The ways your customers want to pay

Cards

Credit, debit and prepaid cards from the major networks.

Digital wallets

One-tap payments on mobile and web.

Bank payments

Direct account-to-account transfers.

Local methods

The payment options people trust in each market.

Instalments

Pay-later options offered at checkout.

Agent payments

Purchases made by AI agents for the people they serve.

Industries we serve

E-commerce and retail

High volumes, peak seasons and customers in many countries.

Travel and hospitality

Pre-authorizations, deposits and multi-currency bookings.

Subscriptions and digital services

Recurring billing that keeps customers subscribed.

Marketplaces

Many sellers, split funds and fast payouts.

Financial services

Strong controls for regulated businesses.

Delivery and mobility

In-app payments and payouts to drivers and couriers.

Find the right setup for your business

Tell us what you need and our team will recommend a solution.

Contact our team