The digital payments landscape in the Middle East and Africa is expanding at record pace, but this growth has been accompanied by rising fraud attempts and tightening regulations. Merchants in the region are facing increasing pressure to safeguard transactions and maintain consumer trust while complying with global standards. To address this challenge, Apaya has partnered with GPayments, a global leader in authentication and fraud prevention solutions, to deliver accessible and enterprise-grade security across its platform.
Expanding Access to Fraud Prevention
Fraud prevention has become an essential component of doing business in the region as global digital transaction volumes are forecast to exceed USD 10 trillion in 2025. Many small and mid-sized businesses, however, struggle to access sophisticated fraud protection tools due to high costs and technical complexity. The Apaya-GPayments collaboration aims to bridge this gap by offering frictionless fraud prevention through 3D Secure technology that is simple to activate and affordable to maintain.
How the Integration Works
Through Apaya’s connector marketplace, merchants can integrate GPayments’ authentication services within minutes without the need for extensive development projects. By selecting GPayments as a connector and entering credentials, businesses instantly gain access to advanced fraud protection. Behind the platform, GPayments’ ActiveServer technology powers authentication and security, the same system trusted by global financial institutions.
Benefits for MENA Merchants
The integration provides merchants with tools to reduce chargebacks, minimize false declines, and improve transaction approval rates while preserving a seamless customer experience. Importantly, businesses also achieve compliance with international requirements such as EMVCo 3D Secure, Strong Customer Authentication, and PSD2. Whether small enterprises or large organizations, all merchants can now access protections once reserved for global players.
Leadership Perspectives
Michael Tomlins, CEO of Apaya, emphasized the significance of the partnership in breaking down barriers to enterprise-grade fraud prevention. He highlighted that the plug-and-play integration removes cost and complexity, enabling more merchants to protect themselves and their customers. Shaun Thomas, Head of Corporate Development at GPayments, added that the collaboration allows the company to extend frictionless 3D Secure solutions into a high-growth region, balancing security with customer convenience.
Enabling Business Growth
For businesses entering new markets, the ability to combine localized payment access with robust fraud prevention is vital. With GPayments live on Apaya, merchants can expand operations while maintaining compliance and safeguarding customer trust. This combination allows companies to focus on scaling growth strategies rather than building infrastructure to mitigate risks.
Looking Ahead
Apaya and GPayments view this launch as the beginning of a long-term effort to enhance fraud prevention in the region. In 2025, the partners plan to roll out additional features to stay ahead of evolving threats and to ensure merchants remain well-protected as digital commerce grows. Their collaboration underscores the importance of secure, accessible, and sustainable solutions in supporting the future of MENA’s digital economy.
The partnership between Apaya and GPayments represents a strategic step toward strengthening merchant resilience in the Middle East and Africa’s fast-developing payments sector. By democratizing access to proven fraud prevention technologies, the collaboration enables businesses of all sizes to compete securely in a dynamic and competitive market. As digital commerce continues to expand, secure infrastructure will remain central to building consumer confidence and sustaining regional growth.