Who we are

Apiso’s approach is rooted in the deep, core knowledge of the payment ecosystem that not only understand the realities and constraints of the existing industry but also strategically paves way to meet the needs of online merchants. By setting new standards in multi-currency, multi-channel B2B payments using virtual card numbers , Apiso gives access to a powerful digital network with multiple banking partners for better optimization and reduced FX costs.

Apiso Transformative Growth

Formed in 2018 and partnered with NEC Payments (now known as Infinios Financial Services), Apiso is a Mastercard provider and issuer from Bahrain by setting new standards in multi-currency, multi-channel B2B payments using virtual card numbers. Being an early adopter of travel clients, Apiso is a major distribution partner for VCN and including partnership with several tech partners. The company has witnessed a substantial growth not just within the MENA region but also expanding globally across EU, UK and USA markets.

Our Vision

To enable the creation of wealth across borders through the provision of sustainable fintech solutions

Our Mission

To provide frictionless, effortless and seamless digital commerce experiences, connecting people and businesses through advanced payment service integrations

Our Values

Appreciative: recognising needs and opportunities
Personable: valuing relationships and partnerships
Innovative: embracing forward thinking and creativity
Secure: exemplifying dependablity and respect
Obsessed: demonstrating determination and focus

What Customers Say About Apiso

Meet our leadership team of payment experts

Andrew Sims,
Co-Founder and CEO

Andrew is a serial FinTech entrepreneur, management consultant, and executive. Prior to co-founding the nDigital Group of companies, Andrew owned a boutique management consultancy practice providing strategy, technology and business development consulting to clients including MasterCard MEA. Earlier in his career, Andrew co-founded GPS, now widely recognised as the leading FinTech card processor in Europe; and was an Executive Director of Flex-e-card, the European market-leading gift card company. He was responsible for business development strategy at both companies from pre-formation through to high-growth.

Michael Yadgar, Executive Director and Legal Counsel

Michael is a corporate lawyer with more than 20 years of experience directing clients on corporate, acquisition, divestment, strategy and investment matters with a focus on Fintech, Biotech, digital investments and investment funds. He joined the group in 2018, serves as a Board member of nDigital Holdings and its subsidiaries, and is Chairman of the audit, risk & compliance, and corporate governance committees.

Suhail Uddin, Business Development Director

With well over 25 years’ experience Suhail is a seasoned, multilingual sales & payments professional with disciplines in card issuing, processing, acquiring, Banking as a Service (BaaS), and regulation. Suhail has also been instrumental in helping to launch and sell major card programs in Europe for both program managers, issuers, and global travel tech companies.

Torsten Gros,
Chief Operating Officer

Torsten is a seasoned travel technology and fintech professional with more than 20 years of experience, heading Implementation, Onboarding, Account Management and Support. Before Torsten has joined Apiso in Summer 2021 he held senior positions at industry leading companies, such as Travelport, KDS (now Neo Technology Group – part of American Express Global Business Travel) and eNett (a WEX company).

Sujeesh Kumaran, Corporate Sales Manager

Sujeesh have been working in the financial industry for 15 years and have a deep knowledge of financial industry functions. With a strong technical aptitude and versatile experience in banking products, Sujeesh plans, develop and implement short- and long-range business development goals through practical understanding of diverse business environments.

Ahmed Ihab, Implementation and Relationship Manager

Ahmed Ihab, Islamic banking, and finance majored, who worked previously in the financial and legal consulting industry, joined Apiso as implementation and relationship assistant, then promoted to implementation and Relationship Manager, leading the implementation team, and ensured healthy and fruitful relationship with Apiso partners and clients.

Apiso Policies and Governance