YAP - Pivotal API Platform for Banking and Payments products across Asia

We enable Banks, Fintechs and Retail brands across Asia to deliver new age banking experiences their end customers love. We aspire to play a pivotal role in the way payment flows are envisioned. We make money flow.


Open platform, Bundle of efficient Restful API’s

QR Payments

Fastest evolving payment methods across developing economies.


Super scalable platform. Zero to a million customers, all in a single day.

Truly Agnostic

A la carte of Banking, Lending, Card, Wallet and Fleet products without typical borders.


Plug and play!, quite literally, Meet and greet to market in under 24 hours.

Bank Grade+

Bank-grade is basic. Highly Secure, Scalable and Reliable payment platform.

Upstream and downstream flows across the financial ecosystem

YAP connects Banks and Fintechs to rapidly develop and roll out branded payment solutions.
Credit, Debit, Prepaid, Plastic, Metal, Virtual, Tokenized. Plug-and-play from an a-la-carte of payment methods.


Our digital product platform enables convenient, cost effective and secure access to funds anytime, anywhere.

Traditionally, bank accounts and card issuance involved extensive development and go-to market setup time, besides ever changing regulatory requirements. But with YAP, we help reduce the lead time with simple-to-integrate APIs. We also help absorb the complexity so you can focus on your business and start your banking stack faster.

YAP caters to diverse needs and use cases of its clientele, whether it’s a gift card, a multi-currency program for travel, payroll cards or general purpose reloadable cards for the unbanked, we have them covered.



Tatkal is the Indian term for “Instant”. As a new-gen lender, a wallet issuer or a micro-credit institution, YAP Tatkal allows you to offer your customers physical or virtual prepaid cards linked to your product. This empowers customers with the network effect offered by RuPay/Visa/ MasterCard without worrying about funding the cards separately.

By giving businesses the flexibility of Just-In-Time funding of the card right at the time of transaction YAP Tatkal delivers tremendous savings on resources, processes and - more importantly – cost!

Irrespective of where the store of value, YAP Tatkal ensures every transaction is Multi-Factor authenticated with bank-grade security and seamless recon between the various systems and networks.



With YAP Fleet we have re-imagined the fleet payments solution stack catering to Fleet Operators and logistics companies.

The fleet company gets real time access to spends besides being fully in control of toll, fuel and driver’s cash expenses. The fleet platform can be configured to suit a variety of workflows either using the web based dashboard or over API's.

With all payments getting funneled into a single account of the Fleet company, it brings in efficiency and eliminates leakages due to cash handling by drivers.


QR Payments

QR payments are one of the fastest evolving payment methods across developing economies. With its inherent cost advantage and easy to deploy technology, QR offers immense promise to be the ubiquitous payment method.

YAP offers capability to bundle in QR in your mobile banking apps with an open loop Interoperable QR. Over 500,000 merchants and 15 banks rely on YAP for their QR payments solutions.