Skyflow

.

+ Apaya

Enabling Data Residency and PCI Compliance for a Payment Automation Platform
Apaya is a modular, scalable platform that enables merchants to easily automate their payment infrastructure. Apaya tapped Skyflow to protect and secure their sensitive customer data, and to meet specific PCI and data residency requirements.
For more information about Apaya, please visit
www.apaya.io.

About Apaya

Apaya is on a mission to become the largest payment automation platform in the EMEA region. The goal is bold, but simple: to give every merchant, irrespective of size, capital, or location the chance to offer their customers a world-class payment experience, while using their preferred payment processors.
Their intelligent platform provides functionality that future-proofs payments infrastructure for digital merchants by providing them full control, automation, and visibility of their end-to-end payment strategy.

The Challenge

With the ever-evolving landscape of e-commerce, merchants are constantly looking to expand into new markets and support additional customers. Apaya provides a no-code platform that empowers merchants to effortlessly manage multiple payment methods and currencies with just a few clicks.
To achieve this, Apaya needed a comprehensive privacy solution that helps secure sensitive customer information, eases PCI compliance and compliance with regional data localization requirements, and enables maximum flexibility over payment processing.
Time-to-market was a critical consideration for Apaya. They needed a scalable, global solution that could be swiftly implemented so they could accelerate their product launch.

The Skyflow Solution

Apaya chose Skyflow because it provides a developer-friendly API that makes managing sensitive data across regions easy to implement, and because of Skyflow’s PCI compliance, data residency capabilities, and support for payment processor flexibility.

Isolate and Protect Customer Data

  • Apaya’s architecture uses Skyflow to capture, tokenize, and store sensitive PCI data, and then calls Skyflow APIs to retrieve the payment information required for payment processors.
  • This keeps Apaya’s backend infrastructure and database free of sensitive data and decreases their compliance scope.

Flexible, PCI-compliant Payment Processing

  • Apaya leverages Skyflow’s PCI Level 1 certification in their PCI-compliant platform so they can free their customers from needing to pick a single payment processor to store their PCI data.
  • With Skyflow, Apaya enables merchants to easily route their payments through multiple payment gateways.

Smooth Payment Experience

  • Skyflow’s time-to-live (TTL) capability lets Apaya temporarily cache CVVs in a PCI-compliant manner, so their merchant customers can work across multiple payment processors for authorization.
  • This reduces merchants’ reliance on a single payment processor, and lets them give their customers a smooth payments experience that doesn’t repeatedly ask for their CVV when rerouting payments.

A Scalable Approach to Data Residency

  • This approach provides immediate data residency compliance solutions for their merchant customers’ PCI data.
  • Apaya built its architecture so that it can quickly and easily deploy Skyflow Data Privacy Vault instances to new regions.
“Not only did Skyflow have the most comprehensive solution available to help us build our platform, they also worked closely with us to make the deployment and implementation process smooth, quick, and worry-free.”

Michael Tomlins

CEO, Apaya
“Apaya built a payments infrastructure to enable every merchant to easily offer their customers a world-class payment experience, with just a few clicks. Our no-code software empowers merchants to build and automate payment workflows to increase their reach, improve their acceptance rates and reduce operational costs.”

Michael Tomlins

CEO, Apaya
“Skyflow enabled us to set up vaults in different regions quickly – such as Bahrain and the UAE – without having to spend money and resources replicating our infrastructure. Implementation was easy, so we were able to quickly start supporting customers across EMEA while ensuring privacy and compliance.”

Michael Tomlins

CEO, Apaya
“Not only did Skyflow have the most comprehensive solution available to help us build our platform, they also worked closely with us to make the deployment and implementation process smooth, quick, and worry-free.”

Michael Tomlins

CEO, Apaya
“Apaya built a payments infrastructure to enable every merchant to easily offer their customers a world-class payment experience, with just a few clicks. Our no-code software empowers merchants to build and automate payment workflows to increase their reach, improve their acceptance rates and reduce operational costs.”

Michael Tomlins

CEO, Apaya
“Skyflow enabled us to set up vaults in different regions quickly – such as Bahrain and the UAE – without having to spend money and resources replicating our infrastructure. Implementation was easy, so we were able to quickly start supporting customers across EMEA while ensuring privacy and compliance.”

Michael Tomlins

CEO, Apaya

See More Skyflow Customer Stories

Securing customer PII and ACH data for a Public Benefit Education Company
NachoNacho is building the world's first and largest true B2B marketplace for SaaS subscriptions.
BambuMeta is a decentralized platform that lets brands build more thoughtful experiences for their customers.
Simplifying PCI Protection and Compliance for a Buy-Now-Pay-Later Solution
Preventing sensitive data sprawl for a consumer fintech app.
Helping an investment bank turn data privacy into a competitive advantage.
Facilitating a secure connection with American Express for a spend and procurement platform.
Enabling a blockchain payment platform to securely manage PII and PCI.
Enabling a blockchain payment platform to securely manage PII and PCI.
NachoNacho is building the world's first and largest true B2B marketplace for SaaS subscriptions.
BambuMeta is a decentralized platform that lets brands build more thoughtful experiences for their customers.
Securing customer PII and ACH data for a Public Benefit Education Company
Simplifying PCI Protection and Compliance for a Buy-Now-Pay-Later Solution
Preventing sensitive data sprawl for a consumer fintech app.
Facilitating a secure connection with American Express for a spend and procurement platform.
Helping an investment bank turn data privacy into a competitive advantage.
Enabling a blockchain payment platform to securely manage PII and PCI.
NachoNacho is building the world's first and largest true B2B marketplace for SaaS subscriptions.
BambuMeta is a decentralized platform that lets brands build more thoughtful experiences for their customers.
Enabling Data Residency and PCI Compliance for a Payment Automation Platform
Securing customer PII and ACH data for a Public Benefit Education Company
Simplifying PCI Protection and Compliance for a Buy-Now-Pay-Later Solution
Preventing sensitive data sprawl for a consumer fintech app.
Facilitating a secure connection with American Express for a spend and procurement platform.
Helping an investment bank turn data privacy into a competitive advantage.
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Talk to Us

Skyflow

.

+ Apaya

Enabling Data Residency and PCI Compliance for a Payment Automation Platform
Apaya is a modular, scalable platform that enables merchants to easily automate their payment infrastructure. Apaya tapped Skyflow to protect and secure their sensitive customer data, and to meet specific PCI and data residency requirements.
For more information about Apaya, please visit
www.apaya.io.

About Apaya

Apaya is on a mission to become the largest payment automation platform in the EMEA region. The goal is bold, but simple: to give every merchant, irrespective of size, capital, or location the chance to offer their customers a world-class payment experience, while using their preferred payment processors.
Their intelligent platform provides functionality that future-proofs payments infrastructure for digital merchants by providing them full control, automation, and visibility of their end-to-end payment strategy.

The Challenge 

With the ever-evolving landscape of e-commerce, merchants are constantly looking to expand into new markets and support additional customers. Apaya provides a no-code platform that empowers merchants to effortlessly manage multiple payment methods and currencies with just a few clicks.
To achieve this, Apaya needed a comprehensive privacy solution that helps secure sensitive customer information, eases PCI compliance and compliance with regional data localization requirements, and enables maximum flexibility over payment processing.
Time-to-market was a critical consideration for Apaya. They needed a scalable, global solution that could be swiftly implemented so they could accelerate their product launch.

The Challenge 

Hadley collects PII like names, email addresses, and dates of birth in order to connect families with the right 529 accounts. Once the family chooses a plan, sensitive ACH data is used to connect their bank account and process their first contributions.Hadley’s mission is to simplify the process of saving for education with 529 plans. Contributions to 529s grow without being taxed - including any investment gains upon withdrawal. Plus, there are no eligibility limits, like age or income.
As a public benefit company with resource constraints, paying for and managing different point solutions seemed like an unnecessary hassle, and building data privacy infrastructure from scratch wasn’t an option. Hadley had been working closely with Tanooki Labs as their technical partner, and the team at Tanooki made the introduction to Skyflow.

The Skyflow Solution

Apaya chose Skyflow because it provides a developer-friendly API that makes managing sensitive data across regions easy to implement, and because of Skyflow’s PCI compliance, data residency capabilities, and support for payment processor flexibility.

Isolate and Protect Customer Data

  • Apaya’s architecture uses Skyflow to capture, tokenize, and store sensitive PCI data, and then calls Skyflow APIs to retrieve the payment information required for payment processors.
  • This keeps Apaya’s backend infrastructure and database free of sensitive data and decreases their compliance scope.

Flexible, PCI-compliant Payment Processing

  • Apaya leverages Skyflow’s PCI Level 1 certification in their PCI-compliant platform so they can free their customers from needing to pick a single payment processor to store their PCI data.
  • With Skyflow, Apaya enables merchants to easily route their payments through multiple payment gateways.

Smooth Payment Experience

  • Skyflow’s time-to-live (TTL) capability lets Apaya temporarily cache CVVs in a PCI-compliant manner, so their merchant customers can work across multiple payment processors for authorization.
  • This reduces merchants’ reliance on a single payment processor, and lets them give their customers a smooth payments experience that doesn’t repeatedly ask for their CVV when rerouting payments.

A Scalable Approach to Data Residency

  • This approach provides immediate data residency compliance solutions for their merchant customers’ PCI data.
  • Apaya built its architecture so that it can quickly and easily deploy Skyflow Data Privacy Vault instances to new regions.
“Not only did Skyflow have the most comprehensive solution available to help us build our platform, they also worked closely with us to make the deployment and implementation process smooth, quick, and worry-free.”

Michael Tomlins

CEO, Apaya
“Apaya built a payments infrastructure to enable every merchant to easily offer their customers a world-class payment experience, with just a few clicks. Our no-code software empowers merchants to build and automate payment workflows to increase their reach, improve their acceptance rates and reduce operational costs.”

Michael Tomlins

CEO, Apaya
“Skyflow enabled us to set up vaults in different regions quickly – such as Bahrain and the UAE – without having to spend money and resources replicating our infrastructure. Implementation was easy, so we were able to quickly start supporting customers across EMEA while ensuring privacy and compliance.”

Michael Tomlins

CEO, Apaya
“Not only did Skyflow have the most comprehensive solution available to help us build our platform, they also worked closely with us to make the deployment and implementation process smooth, quick, and worry-free.”

Michael Tomlins

CEO, Apaya
“Apaya built a payments infrastructure to enable every merchant to easily offer their customers a world-class payment experience, with just a few clicks. Our no-code software empowers merchants to build and automate payment workflows to increase their reach, improve their acceptance rates and reduce operational costs.”

Michael Tomlins

CEO, Apaya
“Skyflow enabled us to set up vaults in different regions quickly – such as Bahrain and the UAE – without having to spend money and resources replicating our infrastructure. Implementation was easy, so we were able to quickly start supporting customers across EMEA while ensuring privacy and compliance.”

Michael Tomlins

CEO, Apaya

See More Skyflow Customer Stories

Securing customer PII and ACH data for a Public Benefit Education Company
NachoNacho is building the world's first and largest true B2B marketplace for SaaS subscriptions.
BambuMeta is a decentralized platform that lets brands build more thoughtful experiences for their customers.
Simplifying PCI Protection and Compliance for a Buy-Now-Pay-Later Solution
Preventing sensitive data sprawl for a consumer fintech app.
Helping an investment bank turn data privacy into a competitive advantage.
Facilitating a secure connection with American Express for a spend and procurement platform.
Enabling a blockchain payment platform to securely manage PII and PCI.
Enabling a blockchain payment platform to securely manage PII and PCI.
NachoNacho is building the world's first and largest true B2B marketplace for SaaS subscriptions.
BambuMeta is a decentralized platform that lets brands build more thoughtful experiences for their customers.
Enabling Data Residency and PCI Compliance for a Payment Automation Platform
Securing customer PII and ACH data for a Public Benefit Education Company
Simplifying PCI Protection and Compliance for a Buy-Now-Pay-Later Solution
Preventing sensitive data sprawl for a consumer fintech app.
Facilitating a secure connection with American Express for a spend and procurement platform.
Helping an investment bank turn data privacy into a competitive advantage.
Enabling a blockchain payment platform to securely manage PII and PCI.
NachoNacho is building the world's first and largest true B2B marketplace for SaaS subscriptions.
BambuMeta is a decentralized platform that lets brands build more thoughtful experiences for their customers.
Securing customer PII and ACH data for a Public Benefit Education Company
Simplifying PCI Protection and Compliance for a Buy-Now-Pay-Later Solution
Preventing sensitive data sprawl for a consumer fintech app.
Facilitating a secure connection with American Express for a spend and procurement platform.
Helping an investment bank turn data privacy into a competitive advantage.

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