The AptPay Solution

An API and Digital Payment Hub powering payment services for businesses across a network of connected financial institutions and integrated payment rails.

Business to Consumer Payment Services

The AptPay Platform Enables Real Time Payments to Customers.

Card and Virtual Payment Services

AptPay can assist your Business with Issuing Virtual and Physical Cards.

Business to Business Payment Services

Use our Platform to Send Payments to Vendors and Contractors in Real Time.

Comprehensive Reporting & Analytics

Our Suite of Services Include Real Time Reporting.

Cloud API & Value Added Payment Services

Use Our API for Complete Custom Solutions that fit your Business Needs.

The AptPay API

Enables businesses to send digital payments to consumers, suppliers, and vendors
Supports real-time and instant payouts to payee financial accounts, including bank accounts, debit cards, digital wallets etc.
Enables businesses of all sizes, including gaming instituations, to digitize and automate payments through one simple API integration.

A Global FinTech Solution

AptPay is a global Fintech based out of Canada, which enables digital payments to the untapped industries. We have been in the payments industry for over seven years and bring our experience to solve for a real pain point with instant disbursements.

Our API enables partners to send money on multiple rails, including; push to wallet, push to card, EFT and ACH. We create a one touch point for all pay outs.

Benefits of the Apt Hub

Speed & Customer Experience

Payments occur digitally and in real-time for customers and suppliers. Funds are made available to customers and suppliers anytime, anywhere in the digital financial accounts of their choosing.

Decreased Costs

By moving away from cheque based payments and claims disbursements, AptPay helps businesses & partners reduce cheque related expenses including, printing, sorting / handling, postage, courier fees, replacement costs, and responding to customer inquiries.

SIMPLE INTEGRATION

Connect easily and seamlessly through a single API integration or via our Web Portal. Enabling a single, secure and simple touchpoint for all your instant disbursement needs.

Increased Security & Control

Apt helps prevent the fraud associated with traditional cheques. Provides real-time visibility and control of payments, as well as the ability to manually approve, reject, or reverse a given payment as required.

Our Team

S. V. Krisnarajah

Chief Executive Officer | Co-Founder

Kris is a serial entrepreneur who has spent his time developing efficiencies for data analytics, marketing and payment optimization for over a decade. He has worked on projects that optimize payments in such verticals as automotive, real estate, gaming and lead generation. Over the past few years Kris has tried to create more efficient methods of payments and delivery for the gaming vertical, which lead him to digitizing the experience and being a co-founder of AptPay. “Nothing ever begins perfect, there is always a way to optimize a process, we just have to find the right tools do it. A Lamborghini in 1963 couldn’t go 351km/hr and after a decade even this will feel like a starting point”.

Mark Louw

Chief Growth Officer

Mark is a decisive and multi-faceted business development professional with decades of sales, marketing and strategic planning experience in the financial services and payments industry, both locally and internationally. He has worked with banks, insurance companies, payment networks, payment processors, fintechs and merchants over the course of his career, and has achieved great success driving and delivering on growth objectives. He understands the importance of partnerships and maintaining mutually beneficial relationships to achieving profitable growth.

Junaid Sheikh

SVP of Products and Delivery

Junaid has been connecting partners with solutions for well over a decade. Simply put, delivering services and solutions tailored to the needs of your business is his passion. Launching AI-Ops to deliver services to provincial healthcare partners with reduced wait times for patient care has been a highlighting achievement. Managing development projects and teams to deliver IT solutions for the Healthcare, Education, Telecomm, Real Estate and Banking sectors have outlined a career full of challenges. So bring your toughest problems and he will find a solution that exceeds your expectations.

Roman Barnes

Chief Technology Officer | Co-Founder

Roman has spent the better part of the last decade focused on Digital Marketing and Development Projects. He has been the architect for several ERP systems across multiple verticals. His primary specialty is the automation of business processes and systems. He has also brought together tech teams for various development projects including the launch of a token in the Crypto Currency Market. He is the person that can take someone’s vision and bring it into existence.

Branislav Kollár

Chief Product Officer

The one who makes it all work. With this many great minds working day and night, we are in no short supply of great ideas. When it comes to bringing these ideas into reality, Brano is the man inside the machine. As our lead backend developer, he takes all of our hard work and ideas, combines them with our front end design, and produces what feels like magic. With years of experience in development, Brano believes that nothing is impossible with code and proves that time and time again.

Chris Koide

Chief Operating Officer

Chris has co-founded startups, grown existing businesses and ensured successful exits for several digital Payments companies. With decades of experience, he has been referred to as the “Google of Payments”. By focusing on the customer, Chris continues to provide payment solutions that drive digital commerce . As COO, he will help shape strategy, drive growth and deliver operational effectiveness.

Taha Zahir

SVP of Risk Management & Information Security

Taha draws on more than 20 years of experience in technology. Over the past 15 years he’s been focused on web based technologies with most of his experience cantered around Microsoft Technologies.

He has a unique blend of business management and software design experience coupled with solid communication skills. He’s been instrumental in managing and designing multiple projects in various verticals including Banking, Wealth Management, Government Services and finance.

S. V. Krisnarajah

Chief Executive Officer | Co-Founder

Kris is a serial entrepreneur who has spent his time developing efficiencies for data analytics, marketing and payment optimization for over a decade. He has worked on projects that optimize payments in such verticals as automotive, real estate, gaming and lead generation. Over the past few years Kris has tried to create more efficient methods of payments and delivery for the gaming vertical, which lead him to digitizing the experience and being a co-founder of AptPay. “Nothing ever begins perfect, there is always a way to optimize a process, we just have to find the right tools do it. A Lamborghini in 1963 couldn’t go 351km/hr and after a decade even this will feel like a starting point”.

Roman Barnes

Chief Technology Officer | Co-Founder

Roman has spent the better part of the last decade focused on Digital Marketing and Development Projects. He has been the architect for several ERP systems across multiple verticals. His primary specialty is the automation of business processes and systems. He has also brought together tech teams for various development projects including the launch of a token in the Crypto Currency Market. He is the person that can take someone’s vision and bring it into existence.

Chris Koide

Chief Operating Officer

Chris has co-founded startups, grown existing businesses and ensured successful exits for several digital Payments companies. With decades of experience, he has been referred to as the “Google of Payments”. By focusing on the customer, Chris continues to provide payment solutions that drive digital commerce . As COO, he will help shape strategy, drive growth and deliver operational effectiveness.

Mark Louw

Chief Growth Officer

Mark is a decisive and multi-faceted business development professional with decades of sales, marketing and strategic planning experience in the financial services and payments industry, both locally and internationally. He has worked with banks, insurance companies, payment networks, payment processors, fintechs and merchants over the course of his career, and has achieved great success driving and delivering on growth objectives. He understands the importance of partnerships and maintaining mutually beneficial relationships to achieving profitable growth.

Branislav Kollár

Chief Product Officer

The one who makes it all work. With this many great minds working day and night, we are in no short supply of great ideas. When it comes to bringing these ideas into reality, Brano is the man inside the machine. As our lead backend developer, he takes all of our hard work and ideas, combines them with our front end design, and produces what feels like magic. With years of experience in development, Brano believes that nothing is impossible with code and proves that time and time again.

Taha Zahir

SVP of Risk Management & Information Security

Taha draws on more than 20 years of experience in technology. Over the past 15 years he’s been focused on web based technologies with most of his experience cantered around Microsoft Technologies.

He has a unique blend of business management and software design experience coupled with solid communication skills. He’s been instrumental in managing and designing multiple projects in various verticals including Banking, Wealth Management, Government Services and finance.

Junaid Sheikh

SVP of Products and Delivery

Junaid has been connecting partners with solutions for well over a decade. Simply put, delivering services and solutions tailored to the needs of your business is his passion. Launching AI-Ops to deliver services to provincial healthcare partners with reduced wait times for patient care has been a highlighting achievement. Managing development projects and teams to deliver IT solutions for the Healthcare, Education, Telecomm, Real Estate and Banking sectors have outlined a career full of challenges. So bring your toughest problems and he will find a solution that exceeds your expectations.

AptPay Inc.

121 Bloor St E #410
Toronto, ON, M4W 3M5
647-496-6218

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