Navigate International Markets with Ease and Efficiency

APT-X Services Cross Border Payments Service

Partner and Merchant Spotlight

AptPay's AptX partner, NRT Technology logo
AptPay's Partner Logo: GCE - Empowering Payment Solutions
Logo of Woodbine, a valued partner of AptPay offering AptX solutions for seamless transactions.
AptPay's partnership with iPayout showcased in AptX platform integration
AptPay's Partner Logo - iFinance: Empowering Financial Solutions


Apt-X is a cross-border payment service , designed to facilitate digital payments across international borders directly to bank accounts, mobile wallets, and cash pick-up locations. Our platform is designed to make international transactions swift and reliable, enhancing operational efficiency and customer satisfaction.

APT-X is about more than just transferring funds; it’s about connecting businesses globally, providing financial efficiency, and fostering growth through an extensive banking network and competitive currency exchange rates.

APT-X Cross-Border Payment Service


What Are APT-X Benefits?

Global Reach Expanded

Empower your business with APT-X’s extensive network in over 120 countries, ensuring your disbursements reach customers and vendors worldwide efficiently.

Unbeatable FX Rates

APT-X offers the most competitive foreign exchange rates, maximizing the value of your international transactions and benefiting your bottom line.

Extensive Bank Network

With 90% bank reach, APT-X connects your business to a vast banking network, simplifying payments to and from vendors and customers globally.

Swift Business Transactions

APT-X guarantees timely transactions, ensuring quick and reliable disbursement to your business partners, enhancing operational efficiency and customer satisfaction.

Global Connectivity

Worldwide Business Connectivity

APT-X is not just a service; it’s a global business partner that bridges the geographical divide for small and medium-sized businesses in Canada. Imagine a world where your business can effortlessly disburse funds to over 120 countries. That’s the power of APT-X. This extensive reach means that whether your vendors or customers are in bustling city centers or remote locations, your payments reach them seamlessly. It’s not just about transferring money; it’s about fostering strong business relationships across continents. You gain the ability to engage with a diverse range of markets, tapping into new opportunities and expanding your business footprint internationally. With APT-X, distance is no longer a barrier; it’s an opportunity. Each transaction is more than a transfer—it’s a statement of your business’s capacity to operate globally, empowering you to build a more inclusive and far-reaching business network. APT-X, therefore, isn’t just facilitating transactions; it’s facilitating growth, connections, and the global expansion of your business vision.

APT-X Services Cross Border Payments Service
APT-X Services Cross Border Payments Service

Currency Maximization

Maximize Currency Value

In the world of international business, the value of every dollar counts. APT-X recognizes this crucial aspect and offers some of the best foreign exchange rates in the market, specifically tailored for small and medium-sized businesses in Canada. This benefit is not just about saving money; it’s a strategic advantage in your international dealings. When you disburse funds to your customers or vendors abroad, APT-X ensures that your money holds more power and value. This efficiency in currency exchange means more profitable transactions and less financial strain on your business operations. Imagine cutting costs without cutting corners, enabling your business to reinvest the savings into growth, innovation, and building stronger relationships with your overseas partners. APT-X’s commitment to providing the best FX rates translates to direct financial benefits for your business. It’s an assurance that every transaction you make not only reaches its destination but does so with maximum financial efficiency. This service empowers your business to navigate the complex waters of international finance with confidence, ensuring that your money works harder for you and your business thrives in the global market.

Wide Banking Access

Broad Banking Access

For small and medium-sized businesses in Canada, the financial world is vast, and navigating it can be complex. APT-X simplifies this journey by offering an impressive 90% bank reach. This expansive network means that when it comes to disbursing funds to customers or vendors, your business is connected to almost every significant bank in your target countries. It’s not just about the sheer number of banks; it’s about the ease and reliability of transactions. With APT-X, the chances of your payments being delayed or lost due to limited banking options are significantly reduced. This extensive reach ensures that your disbursements are smooth, swift, and secure, no matter where your business partners are located. It translates to fewer hurdles in financial transactions and more time focusing on what matters – growing your business. Whether it’s a transfer to a well-known international bank or a local banking institution in a remote area, APT-X’s broad banking access keeps your business connected and efficient. This network is a testament to APT-X’s commitment to facilitating global business growth, making it an indispensable tool for your business’s international financial operations.

APT-X Expansive Bank Connectivity for Your Business with AptPay's cross border payments

Use Cases

Why Use APT-X?

Globalize Your Import/Export

APT-X connects Canadian businesses to over 120 countries with the best FX rates, ensuring cost-effective and timely transactions for global trade.

Efficient Customer Payouts Worldwide

With APT-X, deliver customer payouts across a vast network of 90% banks worldwide, ensuring timely and reliable financial interactions with your clientele.

Seamless Vendor Payments Globally

Streamline your vendor payments internationally with APT-X’s extensive banking reach and optimal currency exchange, enhancing your supply chain efficiency.

Simplified International Remittances

Facilitate international remittances effortlessly through APT-X, offering a broad reach, competitive FX rates, and swift transaction capabilities for personal and business needs.

APT-X AptPay's orchestration engine overview

Payment Orchestration

What is an Orchestration Engine

AptPay has developed a comprehensive ecosystem that combines payment and compliance services. This orchestration engine consolidates all payment methods, from domestic payment processing to instant fund disbursement and cross-border remittances.

It also integrates verification processes such as KYC, AML checks, sanction screening, and other regulatory assessments, enhancing its overall power and efficiency. Enter the Orchestration Engine. Discover the future of seamless transactions and compliance with AptPay today.


Your Business. Our Platform. Payments Evolved

Seamless Payment Experience: Our platform isn’t just about payments – it’s about powering your business. In today’s fast-paced business world, you can’t afford hitches.

Our platform streamlines your payment processes, allowing you to focus on what truly matters. With easy integration backed by comprehensive documentation, even the least tech-savvy can master our platform, boosting business growth and efficiency.

APT-X Powering Cross Border Payments Solutions For Businesses
APT-X AptPay's simple and secure cross border payments API integration


Unlock Effortless API Integration

Streamline and Secure: Our API solution isn’t just about easing payment processes; it’s about revolutionizing them. When you integrate with our platform, you’re not only streamlining your financial procedures but also ensuring top-notch security.

With encryption and tokenization at its core, you can guarantee your clients that their transactions are in safe hands, while our comprehensive documentation makes the integration journey as smooth as silk.

Empower Your Financial Reach