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The international payments platform built for financial institutions

Unlock new revenue from cross-border payments and protect your most valuable client relationships.

aPay Pro connects financial institutions to a global payments network through their existing systems. Offer the international payments your clients expect while keeping them inside your ecosystem.

 

WHY APAY PRO

Deliver Global Payments. Keep Clients Local.

Your clients with global payment needs are often your highest-value relationships. They expect to manage everything, including international payments, through the institution they trust. When you can support their full financial needs, they stay with you. When you cannot, they start to look elsewhere.

aPay Pro helps you keep that business. It is an international payments platform for financial institutions that connects you to a global payments network through your existing systems. You can offer a full suite of cross-border payment capabilities without the cost, complexity, or compliance burden of building it in-house.

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Trusted by Financial Institutions Across North America

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2,000+

Banks & Credit Unions Supported

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130+

Supported Currencies

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200+

Countries and Territories

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<1%

Payment Return Rate

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50%

Less Manual Processing

PLATFORM CAPABILITIES

The global reach of a major bank inside the systems you already run.

aPay Pro sits behind your existing core and digital banking platforms and powers a complete international payment service under your brand. Your staff initiates payments inside the same interface they use every day. Your clients never leave your environment.

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International wires and Global ACH

Send in 130+ currencies via international wire or local in-country ACH rails to 50 countries. 
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Payment Validation

Validate beneficiary banking details, including IBAN and IFSC requirements, before payments are released from your platform.

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Real-Time Payment Tracking

Track payments in real time with visibility into delivery status, fees, FX rates, and settlement confirmation.
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Live FX Pricing and Rate Management

Display live exchange rates, manage pricing margins, and support forwards directly within your existing banking environment.
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Foreign Currency Receiving

Offer virtual accounts for receiving international wires in 40 currencies, foreign cheque clearing, and cash delivery across multiple currencies.
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Multi-Currency Settlement

Issue foreign currency bank drafts payable in the recipient's local currency.

 

HOW IT WORKS

Up and running without disrupting what already works

Adding international payment capabilities to your banking infrastructure is easy.
aPay Pro integrates alongside your existing systems.
Connect

Integrate with your core or digital banking platform via API, file transfer, or single sign-on. 

Initiate

Upload payment files from your ERP or accounting system, create payments directly in aPay Pro, or connect through API for automated straight-through processing. 

Validate

Beneficiary details are automatically verified using global banking databases and country-specific requirements before funds move.

Execute & Track

Payments route through global and local rails. Track 360 delivers real-time status, fee, FX, and delivery confirmation 

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CORE & DIGITAL BANKING INTEGRATION

Plug in to your existing banking systems.

Connect via API, file transfer, or single sign-on.  Your team initiates international payments in the same interface they use every day.

Pre-built integrations with:

Built for Every Type of Financial Institution

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Community Banks

Offer commercial clients global payment capabilities that compete with larger banks, without the cost and complexity of building it internally.

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Credit Unions

Give business members the international payment services they expect, while reducing operational workload and compliance complexity.

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Bankers' Banks

Deliver scalable international payment infrastructure that enables member institutions to offer global payments under their own brand.

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Corporate CUs

Help member credit unions attract and support larger business relationships with scalable global payment capabilities.

COMPLIANCE & SECURITY

Leave the data and compliance burden to us

aPay Pro processes and stores sensitive beneficiary data on Ascendant's infrastructure. Sanctions screening, AML controls, and audit trails are built in. Your team focuses on clients, not compliance overhead.

Licensed and regulated in Canada, the United States, and the United Kingdom.

  • OFAC and sanctions screening
  • AML and KYC controls
  • Full audit trails for every transaction
  • SOC 2 Type II certified
  • Segregated client funds
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DEDICATED SUPPORT

Personalized service from people who know payments.

Every client works with a dedicated account manager who understands your payment operations, FX exposure, and day-to-day workflow. Instead of being passed between departments, you have one experienced point of contact who coordinates everything across onboarding, payments, treasury, and support.

  • Call or email your account manager directly, no support tickets or call centres
  • One person who knows your account and stays with you as you grow
  • Quick help when a payment needs attention or a recipient needs an update
  • Guidance on currencies, timing, and payment options when things get complicated
  • Regular check-ins to help you lower costs, solve issues, and improve how payments move through your business
WHITE LABEL SITE

Your Brand. Our Infrastructure.

Deploy aPay Pro embedded in your digital banking environment or as a standalone portal under your own domain, logo, and color palette. Clients access it as an extension of your institution, not a third-party tool.

Your brand stays front and center at every step. Ascendant's infrastructure runs the payment.

We also help financial institutions position and market their international payment services effectively. From website copy and service descriptions to client-facing messaging, we provide the content needed to clearly communicate your global capabilities online.

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Modernize your international payments today

Talk to our experienced team to find out how we could help your business.

Resources for Financial Institutions

Get the latest resources and learn how we support banks and credit unions with international payments

What People Are Saying About Us

4-1

“Ascendant gives us the infrastructure we need to offer international payments without adding complexity or compliance burden. It integrates seamlessly into our existing systems.”

EVP & COO

BANKERS BANK
4-1

“Ascendant has played a key role in helping us advance our technology. Their team is incredibly responsive and works alongside us to build solutions that fit our needs.”

DIRECTOR OF FINANCE

GLOBAL RELOCATION COMPANY
4-1

“We get quotes almost instantly, even for more complex currencies, and execution is always reliable. The platform is simple to use, and the team is incredibly responsive when we need support.”

NORTH AMERICAN TREASURER

INTERNATIONAL CONSULTING FIRM
4-1

“Ascendant replaced a slow, manual wire process with a simple, easy-to-use platform. It’s reliable, efficient, and eliminates the need for constant back-and-forth.”

MANAGER OF PAYMENT OPERATIONS

FEDERAL CREDIT UNION
4-1

“We’ve worked with Ascendant for years because they deliver on both pricing and service. They are knowledgeable, professional, and make global payments straightforward for our team.”

NORTH AMERICAN TREASURER

INTERNATIONAL CONSULTING FIRM

FAQs

Receiving international business payments should be simple. If you can’t find the answer you’re looking for here, contact us

 

Is there a two-step authorization process with adding new payees?

Yes. To enhance security in managing international payees, a new payee won’t be activated until you authorize them within aPay.

What banking data do I need from my payees?

Required banking data depends on the country and payment method, but typically includes account number, routing code, bank name, and payee contact details. Payee Intelligence™ guides users through exactly what’s needed for each country.

Can vendors manage their own payment details?

Yes. Vendors can securely update or submit their own payment information through a guided, self-service portal powered by Payee Intelligence™. This reduces back-and-forth emails and minimizes input errors.

How does Ascendant reduce returned payments?

Ascendant reduces returned payments with real-time validation, country-specific data prompts, and a 0.5% return rate benchmark. Our system checks all data before processing and flags issues immediately, preventing costly errors before they occur.

Can I bulk onboard multiple vendors at once?

Yes. You can invite and validate hundreds (or thousands) of vendors in a few clicks. We streamline data collection and minimize errors from the start.

How does Ascendant handle changes to payee details after onboarding?

Vendors can update their information securely through aPay, our online platform. All changes are verified before payments are sent out, keeping your data clean and payments accurate.

How can banks offer international payments without building infrastructure?

Banks can integrate with a cross-border payments platform that connects to global banking networks and FX liquidity providers. This allows the institution to offer international payments without building its own global infrastructure.

Can credit unions offer international payments?

Yes. Credit unions can provide international payment services by integrating a global payments platform into their digital banking or core systems.

How are international payments validated?

Ascendant's Payee Intelligence tool validates beneficiary details automatically using global banking databases and country-specific payment requirements before funds are sent.