AraPay

What is Arapay and what do they do?

Arapay is payment infrastructure built for merchants operating in industries that traditional payment service providers (PSPs) tend to avoid: gambling, sports betting, crypto, forex, gaming, and adult. The platform connects merchants to a network of over 200 payment sources through a single REST API, with webhook and WebSocket support for real-time event delivery.

The technical stack follows an OpenAPI 3.0 specification, with sandbox keys and idempotency built in from the start. Smart routing sits at the core of the product: when one payment source declines a transaction, Arapay's cascade logic automatically retries through alternative rails, and the merchant sees a single confirmation event rather than the retry mechanics behind it. According to the company, this pushes average approval rates to around 97%.

Arapay is live in 14 countries — including Brazil, Mexico, Argentina, Ukraine, Kazakhstan, Uzbekistan, Azerbaijan, Kyrgyzstan, India, Pakistan, Bangladesh, Türkiye, Germany, the UK and France — with local rails such as PIX, UPI, SPEI, Kaspi, MonoBank and PrivatBank alongside global card and wallet networks like Visa, Mastercard, PayPal and Alipay.

Who is it for?

Arapay is built for merchants whose MCC codes make them difficult to onboard with mainstream acquirers: online casinos and live dealer platforms, bookmakers and fantasy sports operators, crypto on/off-ramp services and exchanges, CFD brokers and prop trading firms, gaming platforms with in-game currency or skin marketplaces, and subscription dating or adult content services.

It's a fit for businesses that have already run into MCC restrictions or repeated rejections with generalist PSPs and need a processor that treats high-risk verticals as its core market rather than an exception.

Why do businesses choose Arapay?

• Fast onboarding — Arapay states that most merchants can go live within a single business day, with the technical integration itself taking about 2 hours.
• High approval rates — cascade routing across hundreds of payment sources aims to capture every legitimate conversion, rather than stopping at the first decline.
• No deposits or rolling reserves — the company advertises zero security deposits and zero rolling reserves, in contrast to the 5–15% holds common among traditional high-risk processors.
• Broad local coverage — 14+ local payment rails across Latin America, South Asia, Türkiye and Central Asia, alongside standard card networks.
• Developer-first tooling — a documented REST API, webhook signing, sandbox environment and a public changelog.

Businesses using Corefy can simply obtain a MID from Arapay and connect it to Corefy's dashboard in a few clicks, without dealing with any integration work.

Is Arapay trustworthy?

Arapay secures card data with AES-256-GCM encryption, with keys rotated monthly and the master key held in HashiCorp Vault. Webhooks are HMAC SHA-256 signed and replay-protected, and every transaction runs through a double-entry ledger designed to surface reconciliation discrepancies automatically. Access to the admin API is restricted by IP whitelisting, with defined rate limits on the merchant and trader APIs.

The company reports 99.99% platform uptime and provides live human support via chat, with an average first-response time under 8 minutes. As a newer entrant focused specifically on high-risk verticals, Arapay's public track record is still building — merchants evaluating the platform should assess it alongside their own compliance requirements for the specific vertical and geography in which they operate.