Who we are

Apiso is the leading provider of B2B virtual card integration services in the Middle East and is rapidly enlarging its footprint across Europe and the US. Our success is rooted in deep knowledge of payment ecosystems, an understanding of the realities and constraints of multiple industry sectors and the transformational needs of digital commerce in rapidly changing technological and social environments.

Apiso's Transformative Growth

Formed in 2018 and partnered with Infinios Financial Services, Apiso’s advanced payment integration solutions are setting new standards in multi-currency, multi-channel B2B payments using virtual cards. Apiso pioneered  the introduction and growth of virtual cards in the Middle East travel industry and is the major regional distribution partner for global distribution systems and travel technology companies. As the effects of the Covid pandemic begin to pass, the company continues to see exponential growth not just within its home region MENA, but also as a result of rapid expansion across European and US markets and into additional sectors including insurance, logistics and business expenses management.

Our Vision

To enable the creation of digital commerce ecosystems powered by fully automated and embedded financial services solutions.

Our Mission

To provide frictionless, effortless and seamless experiences, that connect people and businesses through advanced payment integration solutions with multiple financial services partners.

Our Values

Appreciative: recognising needs and opportunities
Personable: valuing relationships and partnerships
Innovative: embracing forward thinking and creativity
Secure: exemplifying dependablity and respect
Obsessed: demonstrating determination and focus

What Customers Say About Apiso

Meet our leadership team of payment experts

Fuad Nonoo
Co-Founder and CEO

In addition to his role as CEO of Apiso, Fuad is the Chairman of the nDigital Group and the majority shareholder of NEC Money Exchange, a money exchange and remittance company with 21 retail locations across Bahrain and a growing digital presence including the Bahrain franchise for Western Union digital channels. Historically Fuad spent time in executive positions in a number of Nonoo family office enterprises including BFC (Bahrain Financing Company) that was later sold to private equity and was a partner in Nonoo Jewellery a UAE based gold bullion dealer that was sold to Standard Bank.

Michael Yadgar
Executive Director and Legal Counsel

Michael is a corporate lawyer with more than 20 years of experience directing clients on corporate, acquisition, divestment, strategy and investment matters with a focus on Fintech, Biotech, digital investments and investment funds. He joined the group in 2018, serves as a Board member of nDigital Holdings and its subsidiaries, and is Chairman of the audit, risk & compliance, and corporate governance committees.

Suhail Uddin
Business Development Director

With well over 25 years’ experience Suhail is a seasoned, multilingual sales & payments professional with disciplines in card issuing, processing, acquiring, Banking as a Service (BaaS), and regulation. Suhail has also been instrumental in helping to launch and sell major card programs in Europe for both program managers, issuers, and global travel tech companies.

Torsten Gros
Chief Operating Officer

Torsten is a seasoned travel technology and fintech professional with more than 20 years of experience, heading Implementation, Onboarding, Account Management and Support. Before Torsten has joined Apiso in Summer 2021 he held senior positions at industry leading companies, such as Travelport, KDS (now Neo Technology Group – part of American Express Global Business Travel) and eNett (a WEX company).

Apiso Policies and Governance