About
Services
Scale Payments Across APAC — Fast, Compliant, Profitable
We help SaaS platforms, PayFacs, and embedded-finance teams launch and grow in Asia Pacific — license-ready, local wallets/APMs integrated, and unit economics that work.
About Us
Founded by Richard Fraser, a distinguished payments executive with over 25 years of specialized experience across Asia-Pacific markets, including APAC leadership positions at American Express and MasterCard.
APACPayments is a premier consultancy dedicated to helping global fintechs, SaaS platforms, and embedded finance companies strategically expand into 14+ Asia-Pacific markets. We achieve this through deep regulatory expertise, invaluable local market intelligence, and customized payment strategies that ensure success.
SaaS Platforms
We enable SaaS platforms to seamlessly integrate optimized payment solutions, meticulously engineered to accelerate growth and profitability for their APAC customer base.
Fintech Scale-ups
We provide critical strategic guidance to fintech companies, navigating complex regulatory pathways and forging valuable local partnerships essential for successful expansion across the APAC region.
Payment Providers
We empower established payment providers to confidently and compliantly expand their operations beyond home markets, capturing new opportunities within the multifaceted APAC ecosystem.
SaaS & Embedded Finance
We equip SaaS and embedded finance companies with the specialized expertise required to successfully navigate and thrive within the complex compliance landscapes across diverse Asian markets.
What Our Clients Say About Us
— CIO, Global Franchise Client
Cross-Border Strategy & Stakeholder Engagement
✅ "Richard consistently delivers exceptional payments expertise, offering practical, actionable solutions that yield measurable results. His cultural fluency proves invaluable in complex environments—making him a truly trusted advisor."
— CEO, Global Fintech
APAC Market Entry & Strategic Expansion Support
✅ "Richard secured a transformative market opportunity for us in Japan, leveraging his profound payments expertise and invaluable local knowledge. He skillfully built strong relationships with banking partners, clients, and suppliers, positioning himself as an indispensable advisor crucial to our broader international expansion."
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Services We Offer
Market Entry Strategy
Custom roadmaps for entering APAC payment markets, identifying opportunities and navigating regional complexities with confidence.
Regulatory Compliance
Navigate complex APAC licensing requirements with our specialist knowledge of MAS, AUSTRAC and other regional regulators.
PayFac Setup and Risk Management
Expert guidance on payment facilitator models, underwriting frameworks, and risk mitigation strategies tailored to APAC markets.
Platform Optimization
Enhance your existing payment infrastructure for improved performance, lower costs, and better customer experiences across Asian markets.
Payment Program Delivery
End-to-end implementation support for complex payment initiatives, ensuring seamless execution and regional compliance.
Commercial Opportunity Mapping
Strategic analysis to uncover untapped revenue streams and partnership possibilities within the diverse APAC payments ecosystem.
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Who We Help
SaaS Platforms
  • Billing localisation for Asian markets
  • Regional payment gateway integration
  • Currency management solutions
Fintech & Payfacs
  • Regulatory compliance guidance
  • Market entry strategy
  • Local banking relationships
Cross-Border eCommerce
  • Local payment method integration
  • Conversion optimisation
  • Fraud prevention solutions
Subscription Businesses
  • Recurring billing optimisation
  • Payment failure recovery
  • Local consumer insights
APAC Payments Consulting | Unlocking growth across Asia-Pacific markets
Contact us today to discuss your specific requirements
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Why Leading Companies Choose APACPayments
20+ Years Experience
Deep expertise in Asian payments systems, regulations and emerging technologies across multiple markets.
Independent Advice
Fully client-focused with no vendor partnerships, ensuring unbiased recommendations driven by your specific needs.
Data-Driven Execution
Rigorous analysis and market intelligence to optimise your local and cross-border payment flows for maximum efficiency.
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Real Results: Strategic APAC Expansion & Regulatory Execution
Driving real-world impact through strategic payment expansion across Asia-Pacific.
Case Study #1: Payment Platform Enters Japan
Strategic Market Entry into Japan's Sophisticated Financial Ecosystem
Challenge: Navigate Japan's rigorous regulatory environment while establishing essential banking partnerships and adapting to unique local payment preferences.
Solution:
  • Developed a comprehensive market entry strategy & implementation plan
  • Formed partnerships with 3 major Japanese banks
  • Secured an anchor enterprise client to establish local credibility
Results:
Successfully deployed across 1,000+ retail and digital locations
Delivered > 3x ROI within the first quarter
Case Study #2: FinTech Growth in 5 APAC Markets
Orchestrating Multi-Market Expansion Across Southeast Asia
Challenge: Rapidly expand into five diverse Asian markets, each with distinct regulatory frameworks, licensing requirements, and consumer payment behaviors — under aggressive timelines.
Solution:
  • Secured critical payment licenses across all 5 markets
  • Formed Tier 1 banking partnerships
  • Customized payment solutions for local preferences
Results:
Obtained 5 essential payment licenses
Launched full operations in SG, MY, ID, TH, and PH within 9 months
Case Study #3: APAC Strategy for Global Fintech
Crafting a Scalable Roadmap for Asia Market Penetration
Challenge: A global fintech sought to prioritize APAC market expansion while navigating regulatory complexity, validating product-market fit, and ensuring operational readiness.
Solution:
  • Conducted market readiness assessments across 8 APAC countries
  • Evaluated product alignment, regulatory frameworks, and local partners
  • Created a 3-tier expansion strategy: Tier 1: Invest & Scale, Tier 2: Partner & Pilot, Tier 3: Monitor & Prepare
Results:
Executive approval secured for Tier 1 markets in 6 weeks
Created a cross-functional market entry blueprint
Let's Tailor your APAC Growth
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Insights from the Frontlines of Asia Payments
2025 Asia-Pacific Payments Market Outlook
Our comprehensive analysis of emerging payment trends, market forecasts, and strategic opportunities across APAC markets.
Monthly Regulatory Updates
Stay compliant with our expert summaries of the latest regulatory changes affecting payment operations across Asia-Pacific jurisdictions.
Specialized Webinars
Join our expert-led sessions covering instant payments implementation, regional compliance frameworks, and commercial strategies for APAC markets.
Stay ahead with our expert resources designed to navigate the complex and rapidly evolving payments landscape across Asia-Pacific.
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Featured Insights
Stay informed with our latest thought leadership on Asia-Pacific payments and fintech innovation.
ASEAN QR Code Interoperability
Unlocking Southeast Asia's Digital Wallet Future
Discover how ASEAN's pioneering interoperable QR-based payment network is transforming cross-border transactions. This innovative system facilitates rapid 5-second settlements, significantly reduces fees by up to 80%, and seamlessly connects 700 million consumers across 10 markets, fostering a dynamic and integrated regional payment ecosystem.
AI in Payments
From Fraud Defence to Agentic Commerce
Dive into comprehensive analyses and forward-looking perspectives on the transformative impact of AI across the payments landscape. Explore how AI is reshaping everything from advanced fraud prevention strategies to the emergence of innovative agentic commerce solutions.
Japan GTM Best Practices
Entering and scaling your business in Japan
Gain strategic insights and actionable best practices for successfully entering and expanding your business within the unique Japanese market. This article covers essential strategies for navigating cultural nuances, regulatory landscapes, and consumer behavior to achieve sustainable growth.
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Our Expertise: Asia-Pacific Payments Landscape
Local Payment Rails
Specialist knowledge of FAST, PromptPay, NPP, UPI and other domestic instant payment networks across APAC.
Digital Wallets & QR
Deep insights into regional e-wallet ecosystems and QR payment schemes reshaping the payments landscape.
Banking Infrastructure
Real-world experience with both established banks and emerging fintechs across multiple APAC markets.
Regulatory Foresight
Stay ahead with our up-to-date knowledge of upcoming 2025 regulatory shifts across Asian financial markets.
Connect with our payment experts to navigate the complex APAC payments ecosystem. Our team brings decades of combined experience across the region.
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific
Let's Build Your APAC Payment Strategy
How We Work With You
We align your business objectives with a customized roadmap that addresses market-specific requirements and regional trends.
Every project leverages our industry network, proprietary research, and hands-on payments expertise.
Get in Touch
contact@apacpayments.io
Message directly for quick responses
Connect with our payments specialists
APACPayments.io © 2025 | Empowering Business Across Asia-Pacific