# Apaya > Apaya is a no-code payment orchestration platform built for MENA merchants. It enables businesses in UAE, Saudi Arabia, Egypt, and across the Middle East and Africa to connect multiple payment service providers (PSPs), automate smart routing, improve approval rates, reduce processing costs, and scale payments through a single integration. Apaya supports 30+ payment connectors and 100+ local and international payment methods including Mada, STC Pay, Tabby, Tamara, Checkout.com, Stripe, Telr, Tap Payments, and Amazon Payment Services. It is PCI-DSS compliant with tokenisation and a provider-agnostic secure vault. ## Product - [Payment Orchestration Platform](https://www.apaya.io/): No-code payment orchestration for MENA merchants — connect PSPs, automate routing, and scale payments across UAE, Saudi Arabia, and Egypt from a single integration. - [Transaction Routing](https://www.apaya.io/transaction-routing): Intelligent payment routing rules that automatically direct transactions to the best-performing PSP based on card type, geography, approval rate, and cost — reducing declines and processing fees. - [Payment Connectors](https://www.apaya.io/connectors): Full list of 30+ PSP and payment method connectors available on the Apaya platform, including local MENA methods (Mada, STC Pay, KNET, Fawry) and global gateways. - [Apaya Marketplace](https://marketplace.apaya.io/): Browse and compare payment connectors available for MENA merchants, including performance data and integration details. - [Payment Strategy Assessment](https://www.apaya.io/payment-strategy-assessment): Free assessment tool for MENA merchants to evaluate their current payment stack and identify optimisation opportunities. ## Guides & Education - [Payment Orchestration in MENA: Complete 2026 Guide](https://www.apaya.io/post/payment-orchestration-in-mena-a-2026-complete-guide): Comprehensive guide to payment orchestration for MENA merchants covering open banking, fraud orchestration, regulatory frameworks (SAMA, AlTareq), multi-PSP strategy, and local payment method coverage in UAE and Saudi Arabia. - [Best-in-Class Payment Infrastructure for UAE & Saudi Arabia](https://www.apaya.io/post/best-in-class-payment-infrastructure-for-uae-saudi-arabia): How MENA merchants scaling across UAE and KSA build a 4-layer payment stack: orchestration, multi-PSP connectivity, local payment methods (Mada, KNET), and a provider-agnostic token vault. - [Cross-Border Payments in MENA: Reduce Costs and Increase Approvals](https://www.apaya.io/post/cross-border-payments-in-mena-how-to-reduce-costs-increase-approvals-and-convert-international-buyers-at-checkout): How MENA merchants use BIN-based routing, multi-PSP diversification, and checkout localisation to reduce processing costs by 20–30% and lift international approval rates. - [How Top MENA Merchants Improve Approval Rates in 2026](https://www.apaya.io/post/how-top-mena-merchants-improve-approval-rates-in-2026): Why MENA merchants lose 12–20% of transactions to preventable declines, and how intelligent routing and multi-PSP orchestration recovers lost revenue. - [Agentic Commerce in MENA: Is Your Payment Stack Ready for AI Checkout?](https://www.apaya.io/post/is-your-mena-payment-stack-ready-for-the-ai-checkout): How ChatGPT Instant Checkout, Google's Universal Commerce Protocol, and AI shopping agents are changing MENA payments — and the infrastructure (multi-PSP orchestration, token vaulting, no-code routing) merchants need to be ready. - [Open Banking and Payment Orchestration: The Future of Payments in MENA](https://www.apaya.io/post/open-banking-payment-orchestration-the-future-of-payments-in-mena): How open banking frameworks in UAE (ADGM) and Saudi Arabia (Sarie, SAMA) are reshaping payment infrastructure for MENA merchants. - [The Rise of Agentic Commerce: How AI is Redefining Payments in MENA](https://www.apaya.io/post/the-rise-of-agentic-commerce-how-ai-is-redefining-payments-in-the-mena-region): Overview of the agentic commerce shift in MENA, covering OpenAI's Agentic Commerce Protocol, Google's Universal Commerce Protocol, and what MENA merchants need from their payment stack. ## Blog Categories - [Payment Orchestration](https://www.apaya.io/blog/categories/payment-orchestration): All articles on payment orchestration strategy, platforms, and implementation for MENA. - [Payment Routing](https://www.apaya.io/blog/categories/payment-routing): Articles on smart routing, transaction routing rules, and multi-PSP routing for MENA merchants. - [Agentic Commerce](https://www.apaya.io/blog/categories/agentic-commerce): Articles on AI-driven checkout, agentic payments, and AI commerce infrastructure for MENA. - [Open Banking](https://www.apaya.io/blog/categories/open-banking): Coverage of open banking developments in UAE and Saudi Arabia and their impact on payment orchestration. - [Buy Now Pay Later](https://www.apaya.io/blog/categories/buy-now-pay-later): BNPL integration in MENA including Tabby and Tamara orchestration. - [Compliance](https://www.apaya.io/blog/categories/compliance): Payment compliance in MENA — SAMA regulations, PCI-DSS, ZATCA, and data localisation requirements. ## Company - [About Apaya](https://www.apaya.io/home): Apaya's mission — unlocking payment freedom for MENA merchants through no-code orchestration and commerce automation. - [FAQs](https://www.apaya.io/faqs): Frequently asked questions about Apaya's platform, integrations, pricing, and MENA payment infrastructure. - [Blog](https://www.apaya.io/blog): All articles on MENA payment orchestration, payment trends, compliance, BNPL, open banking, and agentic commerce. ## Optional - [llms-full.txt](https://www.apaya.io/llms-full.txt)