Freedom Unlocked

We talk about how to unlock the full potential of payment and commerce automation through efficient payment orchestration in MENA, for seamless online and mobile payments.

Apaya + GPayments: Bringing Smarter Fraud Prevention to MENA Merchants

Apaya has partnered with GPayments to deliver enterprise-grade 3D Secure fraud prevention to MENA merchants. Through Apaya’s connector marketplace, businesses can activate protection in minutes, cut chargebacks and false declines, and stay compliant with EMVCo and SCA standards, without heavy costs or complex integrations. This partnership makes world-class, frictionless fraud prevention simple, affordable, and accessible to merchants of all sizes.

Sally Hanekom

Sep 232 min read

BIN Routing - The Smarter Way to Maximize Every Payment

BIN Routing is a smart payment technology that directs each transaction to the best processor based on the card’s first 6–8 digits (the Bank Identification Number). These digits reveal the issuing bank, card type, country, and network, enabling Apaya to automatically route local cards to low-fee domestic processors and international cards to global gateways. The result: higher approval rates, lower fees, and seamless checkouts, no manual setup or complex integrations required

Sally Hanekom

Sep 192 min read

Payment Gateway vs Payment Orchestration: Which Solution Powers MEA's Digital Commerce?

Your Saudi e-commerce platform processes Mada for locals, Visa for international buyers, STC Pay for mobile users, and Tabby for BNPL....

michaeltomlins

Sep 113 min read

Payment Solutions: The Future of MENA's Digital Economy

The Middle East and North Africa region is experiencing a payment revolution that's reshaping how businesses and consumers transact. The...

michaeltomlins

Sep 112 min read

Five Payment Trends That Will Define MENA E-commerce in 2026

MENA’s e-commerce market is surging toward a projected $159.3B by 2029, and the way customers pay will determine who wins in 2026. From payment orchestration and network tokenization to BNPL, digital wallets, and cross-border commerce, five payment trends will shape checkout performance, conversion rates, and long-term growth across Saudi Arabia, UAE, and Egypt.

Sally Hanekom

Aug 264 min read

Real-time DCC, Real Merchant Control: Currency Stream Is Now Live in Apaya’s Marketplace

Real-time DCC, Real Merchant Control We’re excited to announce that Currency Stream, a global leader in Dynamic Currency Conversion and Multi-Currency Pricing, is now live in the Apaya Marketplace. With Currency Stream, merchants across MENA can give international customers the power to pay in their local currency—while turning currency conversion into a new revenue stream. Discover smarter FX, real-time pricing, and seamless integration for your global payment workflows.

Sally Hanekom

Jul 233 min read

Buy Now, Pay Later: Why BNPL is Reshaping Payments in the MENA Region

Why BNPL is reshaping payments in the MENA region. BNPL explained, growth snapshot, key players, top benefits and Apaya's future ready checkout.

Sally Hanekom

Jul 103 min read

Payment Orchestration in MENA: How Smart Routing and Automation Are Helping Merchants Cut Costs & Take Control

Apaya.io helps MENA merchants reduce payment costs, improve success rates, and expand faster by combining payment orchestration, automation, and smart routing- built specifically for UAE, KSA, and Egypt.

Sally Hanekom

Jun 113 min read