Apcopay
Apcopay is a Malta-based payment orchestration platform that provides a single API connecting merchants to 40+ acquirers and 240+ payment methods across 25 countries, serving 1,200+ merchants in iGaming, eCommerce, marketplaces, financial services, and tourism.
- Company typePrivate
- Founded2004
- HeadquartersValletta, Malta
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Apcopay does
Apcopay Limited is a Malta-headquartered payment orchestration platform, operating as a subsidiary within the Hili Ventures group under the Harvest Technology portfolio. Founded in 2004, the company provides a unified API (branded Synthesis) that connects merchants to 40+ acquiring banks/processors and 250+ alternative payment methods, supporting more than 240 payment options globally without holding merchant funds. The platform combines core payment acceptance (Payments, Hosted Payment Page), intelligent routing and retry (Smart Routing & Cascading, AI-driven Smart Retry), security (SHIELD fraud protection, Tokenisation), marketplace enablement (KYC onboarding, instant payouts), and developer tooling (Rapid Integration Development, Open Banking), all surfaced through a single integration and a unified Payment Wall dashboard.
The business model is transaction-based: Apcopay earns fees on payment volume routed through its orchestration layer while acquirers settle directly with merchants, limiting balance-sheet risk. Pricing combines a freemium tier (Payment Links for SMBs) with quote-based enterprise contracts. Distribution runs through three channels — enterprise field sales, a partner program targeting ISVs and marketplaces, and self-serve for long-tail merchants. The company serves 1,200+ merchants across 25 countries, processing €1 billion annually and 20 million transactions per month, with primary verticals in iGaming, eCommerce, marketplaces, financial institutions, and tourism/airlines, and secondary segments in SaaS, telecoms, and public sector.
Recent strategic activity has been weighted toward geographic and vertical expansion: a commercial alliance with Moneris for Canada, Bizum integration for Spain, MINCETUR registration for Peru, Orange Money for Liberia, and a Doxxbet/Codium partnership for Nigerian iGaming, complemented by crypto-payments capability layered via CoinPayments and HAYVN Pay. Customer logos span enterprise airlines (Aeroitalia), hospitality SaaS (GonnaOrder), and licensed sportsbooks (Doxxbet Nigeria), suggesting enterprise anchors above a diversified SMB long tail.
Apcopay firmographics
Firmographics- Name
- Apcopay
- Legal name
- Apcopay Limited
- Website
- https://apcopay.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Apcopay is a Malta-based payment orchestration platform that provides a single API connecting merchants to 40+ acquirers and 240+ payment methods across 25 countries, serving 1,200+ merchants in iGaming, eCommerce, marketplaces, financial services, and tourism.
- Ownership category
- akta.pro rank
Apcopay industry classification
Industry- Product category
- Payment Orchestration Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
Keywords
Where Apcopay is headquartered
LocationHeadquarters
- HQ city
- Valletta
- HQ country
- Malta
- HQ region
- Europe
Offices1 record
Markets served
Apcopay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing & Transaction Fees: Apcopay charges merchants transaction fees for processing payments across its network of 40+ acquirers and processors. Payments are settled directly between the acquiring partner and the merchant, with Apcopay taking a fee for the orchestration services provided.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier for Payment Links with basic features |
| Transaction based/ take rate | Annual | Enterprise/Commercial pricing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Apcopay product offering
Product offeringCore offering
Apcopay provides a proprietary payment orchestration platform (Synthesis) that enables merchants to accept payments globally across 240+ payment methods, multiple currencies, and 25 countries through a single unified API. The platform connects to 40+ acquirers/processors and offers smart routing, AI-driven smart retry, fraud protection, tokenisation, instant payouts, and marketplace orchestration without directly processing transactions or holding merchant funds.
Product overview
Apcopay is a payment orchestration platform offering a unified, all-in-one solution for global payment processing. The core platform, Synthesis, connects to multiple acquirers and payment methods through a single API integration. The product portfolio includes core payment acceptance products (Payments, Hosted Payments), supplementary payment tools (Payment Links, Payment Wall, Instant Payouts), intelligent routing features (Smart Routing & Cascading, AI-driven Smart Retry), security solutions (Fraud Protection/SHIELD, Tokenisation), industry-specific solutions (Platforms and Marketplaces, Analytics, Open Banking), and developer tools (Rapid Integration Development). With over 20 years of experience, the platform supports 240+ payment options, serves 1,200+ merchants across 25 countries, processes €1 billion annually, and handles 20 million transactions per month.
Differentiator
Problem solved
Functional benefit
Products and services
- Payments The global payment acceptance solution providing a unified platform to process payments worldwide, offering over 240 payment methods including e-wallets, prepaid cards, and mobile payments through a single API integration. Designed for merchants needing multi-channel, multi-currency payment acceptance.
- Hosted Payments A standalone checkout solution providing fully branded and optimised hosted payment pages with unified branding, localised checkout, effortless integration via FASTPAY, and PCI DSS compliance. Designed for merchants wanting a complete checkout experience without building their own payment pages.
- Payment Links A self-serve product allowing merchants to generate shareable payment links for effortless payments without requiring a webshop. Enables electronic payments for small, medium and large businesses with flexible options and secure instant payments, available via a free subscription tier.
- Instant Payouts A fast outward payments solution enabling instant payouts to customers via Apcopay Virtual Card with frictionless processes and customisable solutions tailored to business needs. Designed for marketplaces, platforms, and merchants requiring real-time settlement.
- Platforms and Marketplaces A payment orchestration product specifically designed for marketplace operators requiring multi-seller payment management with easy payment integration, instant user onboarding with built-in KYC, revenue monetisation, and full control with real-time insights.
- Rapid Integration Development A fast-track payment integration toolkit enabling businesses to get up and running faster. Features customisable components, optimised conversion logic, global reach with one integration, and pre-built tools and SDKs for developer teams.
- Synthesis Payment Orchestration Platform The proprietary single-layer payment orchestration platform providing a unified, all-in-one solution regardless of how many providers or payment options are connected. Connects 40+ acquirers/processors and 250+ direct alternative payment method integrations through one API.
Quantifiable outcome
- €1 billion in payments processed annually
- +4 more outcomes
Companies that use Apcopay
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles7 records
Apcopay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature8 records
Apcopay partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Doxxbet NigeriacoreStrategic partnership with Doxxbet Nigeria, a licensed sportsbook and online casino, to streamline payments and enhance the player experience in one of Africa's fastest-growing regulated gaming markets. Apcopay delivers scalable payments infrastructure optimized for local preferences.
- CodiumcoreCodium's platform integrates Apcopay's payment orchestration layer which connects and manages multiple payment methods through a single interface. This integration streamlines player deposits and withdrawals across Codium's operator network in Africa.
- MoneriscoreCommercial relationship with Moneris, Canada's leading commerce solution provider, enabling Apcopay to connect its global merchant base with trusted local acquiring services in Canada. The collaboration supports merchants looking to enter and thrive in the North American market.
- BizumcoreIntegration with Bizum, one of Spain's preferred payment methods with over 20 million users and more than 32,000 merchants. The partnership enables Apcopay merchants operating in the Spanish market to offer instant credit transfers 24/7, higher conversion rates, and reduced cart abandonment.
- Orange Money LiberiacorePartnership with Orange Money Liberia to provide mobile phone-based payment services enabling users to conduct financial transactions seamlessly via smartphones. The collaboration enhances financial inclusion in regions with limited access to traditional banking services, particularly in Africa.
- AeroitaliacoreApcopay provides seamless payment solutions for Aeroitalia's new routes expansion, supporting secure transactions at every touchpoint for the airline's Rome connections to Lublin, Brno, and Lamezia Terme. The partnership enables customers to book flights with confidence through reliable payment processing.
- Peru MINCETURcoreOfficial B2B payments provider authorization from Peru's Ministry of Foreign Trade and Tourism (MINCETUR), demonstrating commitment to extending market position in Peru and throughout Latin America for the iGaming sector.
- CoinPaymentscoreApcopay partnered with CoinPayments as its crypto payment partner to enable merchants to accept over 100 cryptocurrencies including Bitcoin and altcoins. CoinPayments serves as the crypto processor through referral integration, allowing Apcopay to broaden its global footprint and access an additional revenue channel in the digital payments space.
- HAYVN PaycoreStrategic partnership with HAYVN Pay, a globally regulated cryptocurrency payment solution serving Business, Corporate and Institutional clients. The collaboration focuses on delivering enhanced payment solutions to merchants in the European region, enabling secure borderless cryptocurrency payments with fiat off-ramping capabilities.
- GonnaOrdercoreGonnaOrder integrated Apcopay's payment processing capabilities into its digital hospitality ordering platform for restaurants, cafes, and bars. The partnership enables end-to-end table ordering through QR codes combined with seamless payment capture, improving operational efficiency for hospitality operators.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Apcopay competitors and assessment
Company assessmentDirect peers
- PPRO: PPRO provides payment orchestration infrastructure focused on alternative payment methods, connecting acquirers, PSPs, and APMs globally. Highly comparable to Apcopay's APM enablement and 250+ APM integration footprint.
- IXOPAY: IXOPAY is a payment orchestration platform providing smart routing, cascading, and tokenization across PSPs. It competes head-to-head with Apcopay's Smart Routing, Cascading, and Tokenisation capabilities for enterprise and marketplace merchants.
- Spreedly: Spreedly provides a payment orchestration and vault platform enabling merchants to connect to multiple payment services through a single integration. It directly competes with Apcopay in serving eCommerce and subscription merchants needing multi-PSP flexibility.
- ProcessOut: ProcessOut is a payment orchestration and monitoring platform offering smart routing and analytics. It is a direct competitor in the orchestration space with overlapping merchant segments including marketplaces and eCommerce.
- Cellpoint Digital: Cellpoint Digital provides payment orchestration and optimization solutions particularly strong in travel, airlines, and digital goods. Comparable to Apcopay's orchestration offerings for airlines (Aeroitalia) and digital merchants.
- Primer: Primer is a payment orchestration platform offering unified API access to multiple PSPs and acquirers with smart routing and workflow automation. It is a direct competitor to Apcopay's Synthesis platform, targeting enterprise merchants with similar multi-PSP routing capabilities.
Broad incumbents
- Adyen: Adyen is a global unified payments platform combining processing, acquiring, and orchestration-like capabilities. It competes broadly with Apcopay in enterprise eCommerce, marketplaces, and financial services, though Apcopay is asset-light while Adyen is also a licensed acquirer.
- Checkout.com: Checkout.com is a global payment processor offering unified acquiring and orchestration-style capabilities. It competes with Apcopay for enterprise merchants in iGaming, eCommerce, and marketplaces across multiple geographies.
- Mollie: Mollie is a European payment service provider with multi-method, multi-currency capabilities primarily serving SMBs and platforms. Comparable to Apcopay's Payment Links and SMB-friendly offerings while also competing in enterprise eCommerce.
- Stripe: Stripe is a global payment processor and platform with its own orchestration-like routing and Connect product. While not a pure orchestrator, it competes with Apcopay for the same enterprise and platform merchant relationships with broader capability scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Apcopay social profiles
Digital presenceApcopay compliance and trust
Trust signalCompliance1 record
Apcopay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Apcopay leadership team
Management profileNumber of profiles
Profiles5 records
Apcopay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Apcopay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Apcopay
What does Apcopay do?
Apcopay provides a proprietary payment orchestration platform (Synthesis) that enables merchants to accept payments globally across 240+ payment methods, multiple currencies, and 25 countries through a single unified API. The platform connects to 40+ acquirers/processors and offers smart routing, AI-driven smart retry, fraud protection, tokenisation, instant payouts, and marketplace orchestration without directly processing transactions or holding merchant funds.
Is Apcopay a public or private company?
Apcopay is a private company. It is classified as corporate owned and is currently operating.
When was Apcopay founded?
Apcopay was founded in 2004. It employs 11 to 50 people.
Where is Apcopay based?
Apcopay is headquartered in Valletta, Malta, in the Europe region.
How does Apcopay make money?
One revenue line is on record: payment Processing & Transaction Fees.
Who are Apcopay's main competitors?
Direct peers on record are PPRO, IXOPAY, Spreedly, ProcessOut, Cellpoint Digital and Primer. Broad incumbents are Adyen, Checkout.com, Mollie and Stripe.
Does Apcopay have an API?
Yes. Apcopay offers a unified API for seamless account setup and smooth local processing worldwide. The platform provides a single integration to access over 240 payment methods across multiple currencies and regions. Developers can access documentation and APIs at the Apcopay API portal. Developer documentation is at apcopayapi.apimatic.dev/v/1_0#/http/introduction/introduction.
What industry is Apcopay in?
Apcopay's product category is Payment Orchestration Software. Its primary akta.pro industry code is FSAMACAB, Payment Orchestration Platforms (Multi-PSP Routing), with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 522320.