Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Founded in 2014 as Shift Payments, Apto Payments pivoted from a consumer-facing card product to a B2B card issuing infrastructure company, enabling fintechs and enterprises to launch prepaid, debit, and credit card programs via API. The company positioned itself as an embedded card-issuing platform supporting corporate, disbursement, loyalty, neobank, and crypto card programs. It was subsequently acquired/merged, now operating under private equity backing via Qenta.
Other Card Issuing providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/apto-payments/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Apto Payments in the Embedded Finance Index 2026, through their own public disclosures or Apto Payments's published customer list, including Qenta and Ubiquity.
Apto Payments is an embedded-finance provider in Card Issuing. It ranks #72 of 227 Card Issuing providers by linked companies.
The most-named Card Issuing alternatives to Apto Payments are Marqeta (66 buyers), Stripe Issuing (32 buyers), Enfuce (25 buyers), Paymentology (23 buyers), Sutton Bank (21 buyers) and Pliant (20 buyers).
Apto Payments is founded in 2014 and headquartered in San Francisco, CA, USA.
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