Infrastructure

High-risk payment gateway built for orchestration

PCI Level 1 vault. Hosted fields, full API and hosted Checkout. Multi-acquirer routing, network tokenisation, 3DS2, recurring billing and disputes — under one integration.

A gateway that only routes to one acquirer isn't really a gateway — it's an integration. ApexPay's gateway is the routing layer that sits between your application and the acquirer pool, with the security, compliance and integration ergonomics modern engineering teams expect.

ApexPay FZ-LLC is a payments consultancy — we introduce merchants to licensed acquirers, gateways and alert networks, and we do not process payments or hold funds.

Integration models

  • Hosted Checkout — single-snippet, fully PCI-out-of-scope, branded.
  • Hosted Fields — your form, our PCI vault. SAQ-A scope.
  • Full API + tokenisation — for advanced flows, custom UX, marketplace splits.
  • Mobile SDKs — iOS, Android, React Native with Apple Pay / Google Pay.

Security and compliance

  • PCI DSS Level 1 attested annually.
  • Network tokenisation (Visa Token Service, Mastercard MDES) with portable tokens across MIDs.
  • 3DS2 with frictionless flow, challenge step-up, and per-issuer tuning.
  • End-to-end encryption from form to vault, no PAN ever on your servers.

Acquirer routing under one API

Behind the gateway sits the orchestration layer: 40+ acquirers across regions, deterministic and ML routing, decline cascading, automatic failover. You integrate once. We add new acquirers without you touching code.

What we expose to engineering teams

  • REST API + idempotency keys.
  • Webhooks for every transaction state transition with HMAC signing.
  • OpenAPI spec, Postman collection, reference SDKs (Node, Python, PHP, Ruby).
  • Sandbox environment with realistic decline simulation per acquirer.
  • Dashboard with per-MID analytics, real-time logs, dispute queue.

Frequently asked questions

How does ApexPay's gateway compare to Stripe's?

Comparable surface area for the primitives that matter (checkout, tokens, subscriptions, disputes, webhooks) — with explicit multi-acquirer routing and high-risk MCC underwriting Stripe doesn't offer.

Can I use the gateway with my own acquirers?

Yes. We route to acquirers you bring in addition to the 40+ we have integrated.

Is the gateway PCI-compliant for my use case?

Hosted Checkout = SAQ-A. Hosted Fields = SAQ-A. Full API server-side = SAQ-D. We provide the attestation documentation needed for your PCI program.

How long does integration take?

Hosted Checkout: hours. Hosted Fields: 1–3 days. Full API: 1–2 weeks for production-grade integration with webhooks, error handling and reconciliation.

Payment Infrastructure cluster

Part of the Payment Infrastructure cluster

Multi-MID architecture, orchestration, cascading, gateways and offshore vs domestic strategy.

Pillar — start here
High-risk payment processing — engineered, not negotiated
ApexPay is a payments consultancy that introduces merchants Stripe, Adyen and PayPal won't underwrite. One integration, multiple MIDs, deterministic routing.

More on payment infrastructure

Related from other clusters

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