AptPay logo


AptPay is a global fintech that enables real-time push payments in Canada, US, LAC, EU and Asia. We have been in the payments industry for many years, and we’re using our expertise to solve for and provide a single touchpoint for all instant disbursement needs. Our API enables customers and partners to send money instantly on multiple rails, including push to wallet, push to card/account, cross border and ACH. Our aim is to create an improved customer experience by enabling both faster payouts and a secure ecosystem.

use cases

  • Gaming and gambling payouts
  • Government to consumer disbursements
  • Insurance disbursements 
  • Gig economy, freelancers
  • B2B vendor payments
  • Cross border, B2B, B2C and P2P
  • Rapid merchant settlement
  • Payroll and earn wage access
  • Refunds and commissions


  • PCI compliant card data capture (tokenisation) 
  • Assist with risk screening (KYC, KYB, AML, OFAC)
  • White label payment portal for payees
  • Developer friendly APIs
  • Money disbursement and account funding 
  • Customer support (email, IVR, live)
  • Payment instruction (real-time, batch)
  • Transaction inquiry
  • Reports and transaction monitoring
  • Product merchant level reporting (standard, customisable)
  • Specializations: Gaming and gambling, bank treasury, rapid merchant settlement, education, government disbursements/tax refunds, bill payments, gig economy, Insurance, lending/alternative lending, marketplaces, money transfer (A2A), QSR/food delivery, retail, transport, T&E


Asia Pacific, Europe, Latin America and the Caribbean, Middle-East and Africa, North America


Austria, New Zealand, China, Honk Kong, Taiwan, Japan, South Korea, India, Indonesia, Malaysia, Philippines, Singapore, Thailand, Belgium, France, Italy, Netherlands, Portugal, Spain, Denmark, Finland, Ireland, Norway, Sweden, United Kingdom, Germany, Switzerland, Australia, Czech Republic, Greece, Hungary, Israel, Poland, Romania, Slovakia, Russia, Turkey, Ukraine, Brazil, Mexico, Colombia, Venezuela, Argentina, Chile, Nigeria, South Africa, Egypt, Kuwait, Qatar, Saudi Arabia, United Arab Emirates, Canada, United States

Information about listed partners is provided as a convenience and for informational purposes only, may not include all Mastercard Send partners, and is based on information provided by each partner organization. Mastercard is not responsible for the accuracy of such information. All brand names and logos are the property of their respective owners, are used for identification purposes only, and do not imply product endorsement.