Apaya Partners with GPayments to Deliver Enterprise-Grade Fraud Prevention Across MENA

Digital payments are booming across the Middle East and Africa, but with growth comes new challenges. Fraud attempts are becoming more sophisticated, regulations are tightening, and merchants are under pressure to protect both their customers and their business.

At Apaya, we believe merchants should have access to the same enterprise-grade security tools that global players use, without the heavy cost, long projects, or technical complexity. That’s why we’ve partnered with GPayments, a global leader in payment authentication and frictionless fraud prevention through 3D Secure, to make proven fraud protection available instantly through the Apaya platform.

The Value of Fraud Prevention for MENA Merchants

Fraud prevention in MENA is no longer optional. With global digital payment volumes expected to surpass USD 10 trillion in 2025, businesses in MENA need security measures that can keep pace with rising threats.

By integrating GPayments into our connector marketplace, merchants can now:

• Activate 3D Secure authentication in minutes, no lengthy integrations or developer projects required.
• Reduce chargebacks and false declines, keeping customer trust while improving approval rates.
• Stay compliant with global standards such as EMVCo 3D Secure, Strong Customer Authentication (SCA), and PSD2.

For businesses of all sizes, from small firms to enterprise organisations, this levels the playing field: frictionless fraud prevention through 3D Secure is now accessible, affordable and simple to deploy.

How It Works

Apaya’s connector marketplace philosophy is simple: simplify. Merchants select GPayments as a connector in the Apaya portal, enter their GPayments credentials and start benefiting from world-class fraud protection immediately.

Behind the scenes, GPayments’ ActiveServer platform handles the heavy lifting, the same technology trusted by global institutions worldwide.

Perspectives from the Top

“Our partnership with GPayments represents a significant milestone in democratizing access to world-class fraud prevention technology across our markets. By integrating their proven solutions into our plug-and-play platform, we’re eliminating the traditional barriers that have prevented smaller merchants from accessing enterprise-grade fraud prevention.”

– Michael Tomlins, CEO, Apaya

“Our partnership with Apaya empowers us to deliver advanced Fraud Prevention to merchants in the Middle East and Africa, a region with enormous digital commerce growth. By making frictionless 3D Secure more accessible, we help businesses meet crucial compliance requirements and reduce fraud, all without sacrificing on a seamless customer experience. Our collaboration with Apaya gives merchants the security and confidence they need to grow.”

– Shaun Thomas, Head of Corporate Development, GPayments

What This Means for Merchants

For businesses expanding into new markets, the combination of localized payment access and seamless fraud prevention is critical. With GPayments now live as a connector on Apaya, merchants across MENA can:

• Enter new markets with confidence.
• Protect customers and reduce risk.
• Focus on growth instead of infrastructure challenges.

Looking Ahead

This is just the beginning. Throughout 2025, Apaya and GPayments will continue to roll out enhanced features to keep merchants ahead of emerging fraud risks, ensuring that digital commerce across the MENA region grows securely and sustainably.