Getting started with Apaya is simple and takes just minutes. Visit our signup page, provide your business details, and you'll receive instant access to your merchant dashboard. Need help? Our MENA-based support team is available during regional business hours to assist with setup - click here to set-up a meeting.

Most merchants are processing live transactions within 48 hours using our no-code tools and simplified payment API. Visit our Developer Centre to access our integration documents and guides.

Apaya offers transparent, performance-based pricing with no hidden fees. We charge a simple fee per API Call. We offer volume-based pricing with dedicated support and SLA guarantees. There are no setup fees or long-term contracts. For more information, please get in touch with our sales team.

Yes, we have native integrations for 100+ payment methods across all MENA markets, including all major payment cards, mobile wallets, mobile money, Buy Now Pay Later, band transfers and direct carrier billing. To see all available PSPs and Payment methods, please visit the Apaya Marketplace.

bsolutely. Our sandbox environment allows you to experiment and test in a safe environment. We include PSP test credential and test cards so you can easily test different payment experiences.

Absolutely! We offer personalized demos tailored to your specific business needs and MENA market requirements. Book a 30-minute session with our payment experts who will show you exactly how Apaya can optimize your payment flows, demonstrate our no-code configuration tools, and discuss integration options for your tech stack. During the demo, we'll also provide customized recommendations based on your target markets and payment volumes. Schedule your demo through our calendar link.

A connector is a third-party fintech provider that provide functionality that digital merchants require within their payment operations. Connectors can offer payment (e.g., Checkout, Telr), fraud prevention (e.g., SEON), identity, security (G-Payments) or marketing services. Apaya's payment orchestration platform offers no-code payment integration specifically for MENA markets, providing pre-built connectors to connectors, including major PSPs in UAE, KSA, and Egypt through a single integration point. The platform's drag-and-drop workflow builder connects payment gateway API providers in minutes rather than months, eliminating custom development needs. With built-in PCI DSS compliance and automatic data residency handling, businesses can accept Mada cards, KNET, Fawry, and other local payment methods while maintaining control through intelligent payment routing capabilities.

Apaya is integrated with 30+ payment connectors that provider over 100+ international and local payment methods. These include all major gateways in the region, including , Checkout.com, Stripe API integration, Telr, Tap and Amazon Payment Services. For local methods, the platform provides Mada payment integration (30+ million Saudi cardholders), KNET payment processing (85% of Kuwait transactions), and Fawry payment network (20 million Egyptian users). Digital wallets include STC Pay (4.5 million users), Apple Pay, Google Pay, and BNPL solutions like Tamara and Tabby. Each PSP connector is optimized for regional requirements, supporting Arabic interfaces, local currencies, and compliance with SAMA and UAE Central Bank regulations. To see a complete list of connectors, please visit our Marketplace.

Apaya's no-code payment integration reduces implementation from months to minutes, eliminating the need for developers to manage payment gateway API coding, webhook payment notifications, and payment error codes. The visual workflow builder replaces thousands of lines of code with drag-and-drop configuration for payment flows. Pre-built payment orchestration architecture automatically handles 3DS authentication implementation, webhook signature verification, and PCI DSS compliance—typically requiring specialized expertise. Unlike single-PSP integrations creating vendor lock-in, Apaya's unified payment API allows adding/removing providers without code changes. The platform abstracts technical complexity while maintaining flexibility for routing rules, fraud prevention, and checkout customization.

Businesses activate payment service provider integration in 15 minutes using Apaya's no-code checkout builder, versus 3-6 months for traditional multi-PSP setups. Implementation starts with entering existing PSP API keys (Stripe, Amazon, Checkout.com) into the dashboard, which automatically establishes connections. The visual payment workflow builder enables configuration of routing rules, payment method validation, recurring payment setup, and local methods like Mada/KNET through point-and-click interfaces.

Payment transaction routing is the automated process of directing card payments through the optimal payment processor based on predefined rules. It analyses factors like BIN data, transaction amount, currency, card issuer, scheme and geography to select the processor or payment gateway most likely to approve the transaction, helping to reduce transaction fees. Modern routing systems increase authorisation rates by 15% while reducing processing fees by 25%.

BIN routing uses the first 6-8 digits of a card number to identify the issuing bank, card type, and country, then automatically routes through the processor with the highest success rate for that specific card profile. For example, Saudi Mada cards achieve 95% approval through local processors versus 75% through international ones, making BIN routing essential for regional optimisation.

When a primary payment processor or payment gateway declines or fails a transaction, fallback routing instantly retries through alternative processors without customer intervention. The system preserves all authentication data and attempts recovery within milliseconds. This automatic failover recovers 30% of soft declines caused by temporary issues like connectivity problems, processor outages, or technical difficulties.

Intelligent payment routing reduces processing costs by 20-30% through three mechanisms: selecting lowest-cost processors for each transaction type, saving transactions falsely declined, avoiding unnecessary cross-border fees (0.8-1.2% per transaction), and routing debit cards through cheaper networks. A merchant processing $10 million annually typically saves $150,000-$300,000 through optimised routing strategies.

Payment routing implementation with modern platforms takes less than 20 minutes hours from start to live transactions using Apaya. The process involves: connecting existing payment processors (3 minutes), configuring routing rules using visual builders (5-15 minutes), testing in sandbox environment (10 minutes), and launching with real transactions. No coding required, just build a workflow in the Apaya Studio to perform against your business rules.

Static routing uses fixed, predetermined rules to direct transactions (e.g., "all USD payments through Processor A"). Dynamic routing uses real-time data and machine learning to adapt routing decisions based on current processor performance, analysing success rates, response times, and costs to optimise each transaction individually. Dynamic routing achieves 15-20% better performance than static rules.

Intelligent routing works with all major global processors (Stripe, Adyen, Checkout.com, PayPal) and regional providers (Network International, PayTabs, Telr, Tap Payments, Areeba). In MENA specifically, routing supports local schemes including Mada (Saudi Arabia), KNET (Kuwait), OmanNet (Oman), and Meeza (Egypt). Most platforms provide pre-built integrations requiring only API credentials for activation.

Payment routing preserves 3D Secure (3DS) authentication tokens across routing attempts, eliminating repeated customer verification. When a transaction fails after successful 3DS authentication, the routing engine passes the authenticated token to alternative processors, maintaining PSD2/SCA compliance while avoiding checkout friction. This token preservation increases successful recovery rates by 40% compared to re-authentication.

BIN stands for Bank Identification Number, the first 6-8 digits on payment cards that reveal the card's DNA: issuing bank, country, card network (Visa/Mastercard), and type (credit/debit). Modern payment routing uses BIN intelligence to increase authorisation rates by 15%, routing each card through processors with the best relationships with that specific issuer.

3D Secure protects online payments by requiring cardholders to authenticate transactions with their bank through password, SMS code, or fingerprint. This two-factor authentication prevents unauthorised card use, reducing fraud by 70% and protecting merchants from fraud-related chargebacks. Under PSD2 regulations in Europe and similar frameworks globally, 3DS is mandatory for most online transactions.