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The solution of choice for the world's most innovative banks

Multi Scheme Support

Out of the Box support for Amex, MasterCard, Discover, Visa and more with regional schemes available on request.

Command & Control

Complete multi tenant view of all clients with delegatable, modular permissions and insightful dashboards.

Transaction Simulator

An end to end tool for validating Risk Profiles and User Experiences in a safe environment.

Experiment & Test

Run backtests against historical data to improve fraud detection. Experiment with new User Experiences and push changes instantly.

Transformational Troubleshooting

Gain complete overview of all transactions including all meta data, all logs and a complete capture of the user journey.

Advanced Reporting

Get the reports you need in the formats you need delivered to you how you want, when you want, automatically.

Innovation as standard

Driving self reliance for you and your customers via Portal or API.
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Enabling addition of sub tenants in under 30 mins.
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Supporting multiple channels and timezones with same-day ticket resolution.
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Unparalleled migration that requires a single endpoint.
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Delivering industry-leading availability and resilience, insulating partners from sophisticated cyber attacks including DDoS and BIN attacks.
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Powering the most prolific, customer-centric solution in the market.
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Seamless Multi Channel Solutions

For Issuing Processors & BaaS Providers

A true Multi Tenant ACS.

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For Acquirers & Gateways

The only multi tenant 3DS Server (MPI).

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For Merchants

A simple, single endpoint 3DS Server (MPI) integration.

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For Fintechs and Neobanks

Always on. Fully yours. Built for developers.

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Why the market's most innovative teams choose Apata

“
We migrated in a week and cut false declines in the first month. The control we get over every rule is the part nobody else offered.
RFRafael F.Head of Payments, Northbank
“
Multi-tenancy done properly. Onboarding a new client used to be a project — now it's half an hour and a permission set.
MCMarina C.Director of Risk, Pagora
“
Troubleshooting used to mean opening a ticket and waiting. Now we trace a decline end to end ourselves, in seconds.
TSTomás S.CTO, Lumen Pay

Frequently Asked Questions

A single endpoint is all that's required. Most partners are live within seven days, with no downtime on the existing flow while both run in parallel.

Yes. The ACS and the portal are white-label — your tenants see your brand, your domains and your user experience end to end.

Amex, MasterCard, Discover and Visa out of the box, plus regional schemes on request. One integration covers all of them.

Redundant, multi-region infrastructure with DDoS and BIN-attack mitigation built in, so partners stay insulated from volumetric abuse.

Reports come in the formats you need, on the schedule you set, delivered automatically. Raw transaction, metadata and log data is available per tenant.

Ready to get started?

Let us show you what you've been missing out on and how quickly you can move to a vendor that you can actually rely on.

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