APS HOLD Advanced Payment Solutions Holding

Build payments into anything

One API for payments, risk, routing and payouts. Clear documentation, a full sandbox and the AI core working behind every request.

Request sandbox access Browse the API
Create a payment
curl -X POST /v1/payments \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: 7f3c9a" \
  -d amount=25000 \
  -d currency=AED \
  -d payment_method=tok_card \
  -d routing=smart

Get started

  1. Step 1

    Open a sandbox

    Request access and get a test account straight away.

  2. Step 2

    Get your API keys

    Separate test and live keys, managed from the dashboard.

  3. Step 3

    Make a test payment

    Use test cards to try approvals, declines and 3-D Secure.

  4. Step 4

    Listen for webhooks

    Receive signed events for every change in payment status.

  5. Step 5

    Go live

    Complete onboarding checks and switch to live keys.

Core API resources

A predictable REST API with JSON responses, standard HTTP status codes and versioned endpoints.

Resource Endpoint What it does
Payments/v1/paymentsAuthorize, capture and track payments
Refunds/v1/refundsFull and partial refunds
Payment methods/v1/payment_methodsTokenise and store cards and wallets
Customers/v1/customersCustomer profiles and saved methods
Risk assessments/v1/risk/assessmentsAI risk score and reasons for a transaction
Payouts/v1/payoutsSend funds to bank accounts and wallets
Disputes/v1/disputesChargebacks, evidence and outcomes
Agent mandates/v1/agent_mandatesSpending limits for AI agents that pay
Webhook endpoints/v1/webhook_endpointsSubscribe to events

Every response explains the decision

Payment objects include the AI core’s risk assessment and routing choice, so your team always knows why a payment was approved, declined or challenged.

Response
{
  "id": "pay_8Hk2Qm",
  "status": "succeeded",
  "amount": 25000,
  "currency": "AED",
  "risk": {
    "level": "low",
    "reasons": ["known_device", "usual_location"]
  },
  "routing": { "strategy": "smart" }
}
Webhook event
POST /your-webhook-endpoint
APS-Signature: t=1762700000,v1=5f2b...

{
  "type": "payment.succeeded",
  "data": {
    "id": "pay_8Hk2Qm",
    "amount": 25000,
    "currency": "AED"
  }
}

Tools for every stack

Web checkout

Hosted payment pages and embeddable fields that keep card data off your servers.

Mobile SDKs

Native components for iOS and Android apps.

Server libraries

Client libraries for popular server-side languages.

E-commerce plugins

Ready-made connectors for common online store platforms.

Secure by default

Every request is authenticated, protected against duplicates and verifiable.

Authentication
Secret API keys sent as bearer tokens over TLS
Safe retries
Idempotency keys prevent duplicate charges
Webhooks
Every event signed so you can verify it came from us

Questions about integrating?

Our integration team can help you plan your build. Email info@apshold.com.

Request sandbox access