Freedom Unlocked

Payment orchestration connects your checkout to multiple PSPs through one layer, reducing integration time and boosting approval rates. It lets merchants route transactions smartly, cut costs, and expand across MENA faster. Instead of coding new PSPs or rules, teams simply configure, test, and launch markets in days. This drives higher revenue, flexibility, and resilience in a complex payments landscape.

AI is transforming commerce, with payments at the center of this shift. As intelligent agents begin to buy, compare, and pay on behalf of users, Agentic Commerce is redefining how businesses and consumers interact. With global leaders like Mastercard, Stripe, Google, and OpenAI driving secure, autonomous payment standards, and MENA leading fintech adoption, early movers that become agent-ready will shape the future of digital commerce.

MENA is entering a new era of digital payments. Open Banking is creating faster, cheaper, and more secure ways to move money, while Payment Orchestration ensures seamless integration across checkouts. Together, they unlock growth, reduce costs, and future-proof payments for merchants and fintechs.

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

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.