Overview

Antom Payment Orchestration (APO) is a flexible and efficient payment management solution that helps merchants unify the management of multiple payment channels, enabling intelligent routing, stable transactions, and cost optimization. By integrating APO, you can quickly access payment channels, enhance payment success rates, and achieve greater operational controllability.

Features

APO is an all-in-one platform for merchants to manage global payments. With APO, you are empowered with the following capabilities:
  • connect to global payment providers to enable wide range of payment methods worldwide with one integration;
  • conduct unified management across all the channels with automation tools;
  • leverage AI and big data to drive advanced payment optimisation;

Omni-channel payment service

With a single integration, you can connect to global payment providers, unlocking wide range of payment methods worldwide and gaining access to a complete payment solution that supports both online and in-store transactions across all major payment scenarios:
  • Online payments: Supports cards and Alternative Payment Methods payments at the checkout. It supports various integration methods such as API, SDK, and Checkout page (CKP) integration, allowing you to select the most suitable method for your needs. This flexibility ensures a seamless and consistent payment experience across all channels.
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  • In-store payments: Supports major payment scenarios such as in-store QR payment, tap-to-pay card payment, and card insert/swiping payment. It also supports API integration, SDK integration, and provides standard payment devices or components (SoftPOS, EMV Reader, EMV POS, etc.). You can connect your cashier POS to the payment devices to achieve seamless payment processing.
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Unified payment management

Unified payment management enables you to streamline and automate comprehensive channel management through a unified portal for daily operational scenarios:
  • Payment activations: You can directly enable payment providers and methods, set up provider credentials (such as accounts and keys), and specify method capabilities (like supported card brands and currencies), allowing APO to process transactions through these providers via APO Dashboard.
Note: You need to activate the accounts and payment methods on the payment provider side before making the corresponding configurations in APO.
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Transaction management: All settlement statements from payment providers are converted into APO- standardized statement. These standardized files can be downloaded through the APO Dashboard or via Secure File Transfer Protocol (SFTP). Additionally, APO automatically reconciles settlement details from payment channels with transaction data, enabling you to access reconciliation results and in-depth information.
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  • Reconciliation management: All payment provider settlement statements are converted into APO-standardized statements. You can download these standardized settlement files via APO Dashboard or SFTP. Furthermore, APO automatically reconciles payment channel settlement details with transaction records, allowing you to view reconciliation results and detailed information.
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Intelligent payment operation

Intelligent payment operations leverage AI and big data to optimize transaction flows and deliver precise, end-to-end payment lifecycle management.
  • Smart routing: You can set up routing rules using a visual drag-and-drop interface that supports both AI-driven and custom routing modes via APO Dashboard. This allows you to define your own rules and channel distribution ratios based on your business strategy, while also leveraging AI smart routing to dynamically select the most optimal channel for each transaction and boosting overall payment success rates.
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Advantages

  • Wide channel coverage: You can access wide range of payment methods by connecting to multiple global payment providers via APO.
  • Intelligent operation technology: Powered by advanced AI, APO can be configured to orchestrate end-to-end optimization of the transaction lifecycle, helping to increase your payment success rate.
  • Unified management tools: You can manage all the payments efficiently in one unified platform with APO seamlessly bridging all the payment providers.

Benefits

  • Rapid global expansion: Quickly enable payment methods to seamlessly enter and serve target markets worldwide.
  • Enhanced payment conversion: Leverage AI technology to boost payment conversion rates and drive higher revenue.
  • Increased operational efficiency: Increased Operational Efficiency

Use cases

The following content introduces the use cases of APO, helping you achieve more efficient and intelligent solutions in payment integration, operational optimization, payment management, and business growth.

Payment integration

As you grow your business into new markets, supporting local payment methods becomes essential. However, you may lack sufficient expertise, time, and resources to select and integrate suitable payment providers and payment methods, which slowing down your expansion. Through APO, you can achieve a single-point integration to connect to a global payment channel network. This enables the rapid activation of new payment methods with just one click for best cases, significantly reducing integration costs and business expansion time.

Payment operation

As your transaction volume grows, payment conversion rate becomes a crucial factor impacting your business revenue. Without the right expertise, experience, and tools, managing payment operations effectively can be challenging, resulting in less-than-ideal outcomes. With APO, you can leverage AI-powered, data-driven strategies throughout the entire transaction lifecycle, boosting payment conversion rates and driving overall revenue growth.

Payment management

As you use more payment channels, the different systems, billing formats, and data formats used by different payment methods may increase the complexity of payment management for you. This may cause your daily business operations to be more time-consuming, labor-intensive, and prone to errors. APO can help you manage all payment channels through a unified standard and platform, and leverage automated tools to improve the efficiency of daily tasks such as reconciliation and chargeback operation, thereby reducing overall operational costs.

Payment extension

As you increasingly focus on value innovation beyond payments, such as payment risk management, marketing, and finance, they often face significant complexity in integrating these services with your payment processes. APO enables you to effortlessly enable a range of extension capability plugins on a unified payment platform, fostering continuous innovation in payment scenarios and unlocking new sources of business value.

Integration

APO provides a few integration options, including SDKs, API and Checkout Page (CKP). Each integration option has its own advantages, and you can choose the appropriate solution according to your business needs and technical level.

Integration resources

The following table shows the client and server resource references corresponding to various APO functions: