Payment systems will continue enhancing real-time processing to provide instant borderless transactions
Advanced Payment Solutions (APS) is a global payment service provider meeting the evolving needs of fast-growing international businesses. fintechview had an insightful chat with Elena Sabelnikova, Director at APS Canada. Elena was featured in an exclusive interview at fintechview digital magazine #4. Discover Elena’s views below and read the full interview in the digital magazine edition.
Share with us how this entrepreneurship journey started and the need and challenges you identified
My journey in fintech began when I joined APS a few years ago, at a time when the company was on a mission to revolutionize online payments. I was drawn to their vision of creating fast, secure, and cost-effective payment solutions for businesses worldwide.
I quickly saw the challenges companies faced—high fees, slow transactions, and limited payment options, which made it harder for them to scale and operate efficiently. There was a clear need for a seamless payment system that could support global transactions while ensuring compliance with regulations
By tackling these challenges, we have built solutions that help businesses increase conversions, reduce costs, and manage funds more efficiently. It has been an exciting journey of problem-solving, innovation, and continuous adaptation to the fast-changing industry.
What are the features a merchandise/fintech firm should consider to ensure the right partner and efficient service?
Businesses should seek a reliable payment service provider that supports global acceptance and multi-currency transactions. It’s important to choose a partner whose integration capabilities work well with multiple platforms and can adapt to unique businesses. A payment service should also offer flexible, transparent pricing with custom models that grow with a business’s needs.
We cannot overemphasize security and compliance. Look for a service that uses strong encryption, adheres to global regulations, and consistently monitors transactions.
Finally, dedicated support is essential. Businesses should seek a partner that offers personalized customer service to address any challenges quickly.
What services do you offer at APS.money?
APS simplifies modern transactions with a full suite of payment solutions:
- Online Payments – Process deposits and payments via MetaTrader 5 Embedded Payments while reducing third-party costs. Accept major cards (Visa, Mastercard, JCB, UnionPay) in 150+ countries and access alternative payment methods for emerging markets. Binance Pay integration enables instant, low-cost digital asset transactions for 250M+ users.
- On-Chain Payments – Settle transactions quickly and securely with Stellar Blockchain and multi-chain support for 60+ blockchains, including Solana, BSC, and Ethereum.
Corporate Payments – Manage global operations with a multi-currency digital wallet for fiat and digital assets. Web3 Merchant Solutions optimize blockchain transactions, while OTC services offer fast, same-day conversions and settlements
What’s APS.money unique selling point and how do you differentiate from the competition?
APS stands out for its all-in-one payment service, which covers online, on-chain, and corporate payments, as well as OTC and digital wallet solutions. Our complete payment ecosystem combines the reliability of traditional finance with digital and blockchain technology. This means our clients have access to multiple payment services suitable for businesses operating locally and internationally, allowing them to move funds seamlessly around the globe.
We offer affordable pricing and dedicated customer support, ensuring you pay only for what you need. Our platform integrates with systems like MetaTrader 5 and supports blockchain transactions using Stellar and Binance Pay. With a presence in over 150 to 200 countries, we help break geographical barriers while providing quick and efficient integration with your existing systems to minimize downtime and avoid third-party complexities
What’s coming up in 2025 for the payments sector?
Digital and blockchain expansion: In 2025, expect payment providers to build on established blockchain frameworks by further integrating decentralized finance protocols. Networks like Stellar, Ethereum, and Binance will help lower costs and speed up global transactions.
Market penetration in emerging regions: As APAC, MENA, and other regions grow, payment solutions to fit local consumer habits and regulatory requirements will continue building. Providers are adapting existing infrastructures to include more local payment methods and currencies, helping businesses reach new markets effectively.
We’ll witness more real-time, global settlement solutions: Payment systems will continue enhancing real-time processing to provide instant borderless transactions. This focus on faster settlements and multi-currency support will give international businesses greater control over cash flow.