The go-to fraud prevention
provider for fintech issuers

What We Do

We deliver a modern and flexible 3DSecure solution for Fintech issuers, challengers & processors. We work
with you to provide the best challenge processes
to minimise abandonment.

About Us

We started this journey 8 years ago when I founded Touchtech Payments. Noticing that the checkout experience for online consumers was deficient, we realised that modern day Fintech issuers were not well served by incumbent providers.

So in 2014 Touchtech brought a fraud prevention solution to the market for Fintech issuers.

We quickly signed clients like Solaris, Monese, Bunq, Wise, Revolut and N26, all of which still use the solution today!

In 2019, Touchtech was acquired by Stripe. After 2 years in the merchant servicing world I decided to return to the issuing side of the table to continue providing innovative tools for Fintech issuers, picking up where we left off.

We’ve taken our 8+ years of learnings to build a better 3DSecure solution for Fintech issuers, challengers & processors, ensuring ongoing access to reliable, competitive and easy to adopt capabilities.


- Shekinah, Apata CEO

Customer Feedback


I've been working with the Apata team for 4 years now, and in my opinion their product engineering team is excellent. Their product design, solution flexibility and customer focus of the team, makes them the best solution on the market for fintech issuers...


Erik Kaju, Director of Engineering @ Wise

Get In Touch with us

Apata offers modern issuers the most features rich 3DSecure
services in the market. We offer unrivalled flexibility of service,
including NoCode tools that allow you to easily change risk
rules, challenge experiences, and even offer per card level configurability.

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