“Can Ant International's cross-border acquiring stack become the default embedded-payments platform for merchants scaling into and out of Asia?”
Antom was consolidated in 2023 as Ant International's global merchant-payments brand, unifying Ant Group's cross-border acquiring stack (including 2C2P) under one name. It now operates as a payment orchestration and PayFac platform serving 200+ markets with 300+ payment methods. Recent expansion into MSME banking and lending via EPOS360 (with ANEXT Bank in Singapore) signals a move beyond acceptance into embedded finance for small merchants.
Antom discloses ANEXT Bank as its banking provider, according to the Embedded Finance Index 2026.
Antom does not disclose a bank charter of its own; its banking services are provided through ANEXT Bank.
Antom processes payments through Antom (self-operated), 2C2P (self-operated), Stripe, Adyen, checkout.com, checkout, worldpay and global payments.
Antom's lending and capital products are provided by ANEXT Bank.
Antom connects to bank accounts through AlipayUK (self-operated PISP) and GoCardless.
Antom uses Antom Flexible Settlement (self-operated), WorldFirst and Airwallex for FX and cross-border payouts.
Antom integrates with Shopify and WooCommerce.
The Embedded Finance Index 2026 maps 6 layers in Antom's stack: Payments / PSP (Antom (self-operated), 2C2P (self-operated), Stripe, Adyen and 4 others); Banking / BaaS (ANEXT Bank); Lending (ANEXT Bank); Open banking (AlipayUK (self-operated PISP) and GoCardless); FX & payouts (Antom Flexible Settlement (self-operated), WorldFirst and Airwallex); Accounting (Shopify and WooCommerce).
Antom is founded in 2023 and headquartered in Singapore.
Get a read on where your own stack stands against Antom and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.