Partner and Merchant Spotlight

What Are EFT Credit Benefits?

Save More, Pay Less

With our competitively low fees, your SME can optimize costs when disbursing to vendors or customers.

Mass Payouts Simplified

Empower your business: easily disburse to multiple recipients in one swift operation.

Protect Your Business Funds

Prioritize security for your business-to-customer/vendor transactions, ensuring peace of mind.

Flexible Limits

Set transaction limits suited for your specific business needs, enhancing flexibility.

Cost Effective

In the realm of business, especially for Small and Medium-sized enterprises, every penny and second count. Our EFT Credits are your game-changer. Think about it: disbursements that not only prioritize speed but also encapsulate cost-efficiency. With remarkably low fees, it's designed to empower businesses to make secure, quick transactions to their customers or vendors.

Dive into the future of financial operations, ensuring that your business can prioritize relationships and efficiency simultaneously. Elevate your B2C and B2B dealings and give your partners the seamless experience they deserve. EFT Credits - because your business deserves nothing but the best.

Limits Match Your Needs

In the intricate dance of business operations, adaptability is paramount. EFT Credits understands this dance. Designed with Small and Medium-sized businesses in mind, our solution lets you set user-tailored limits, ensuring that your fund disbursements to customers or vendors align perfectly with your company's unique requirements. No more one-size-fits-all.

Dive into a world where transactions aren't just swift and secure, but also finely calibrated to meet your specific needs. By giving businesses the flexibility they need, EFT Credits drives smoother transactions and solidifies relationships. Shape your financial journey, one tailored transaction at a time.

Bulk Payments, Simplified

Navigating the business landscape requires agility, especially for Small and Medium-sized businesses. That's where EFT Credits comes into play. With our state-of-the-art bulk payment capability, disbursements to customers or vendors are now a breeze. No more time-consuming individual transactions.

Instead, embrace a tool that lets you push funds swiftly, securely, and in bulk. Whether you're settling multiple invoices or rewarding a wide customer base, EFT Credits ensures your operations remain smooth and efficient. It's not just about transactions; it's about scaling your impact while minimizing effort. Elevate your disbursement game with EFT Credits.

Why Use EFT Credits?

Gig Worker Payments

Empower your gig workers with swift, low-fee transactions. Perfect for businesses aiming to streamline payments and enhance vendor satisfaction.

Affiliate Disbursements

Disburse bulk payments to affiliates effortlessly. A tailored solution for businesses seeking minimal risks with user-customized limits.


Transform payroll with rapid, low-cost fund deposits. Ideal for medium and small businesses that prioritize security and efficiency in crediting employees.

Lending Payouts

Ensure secure, swift disbursements for lending payouts. Designed for businesses desiring streamlined operations with reduced risks and adaptable limits.

Spaces We're Disrupting

B2C Payouts


Gig Economy

Earned Wage Access

Cross-Border Payments

Lotteries & Gambling

Government Aid



B2B Payments

Rapid Merchant Settlements

Accounts Payable

Cross-Border Payments

Online Market Places

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.

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.