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At YAPEAL it is all about you! With our financial efficiency and growth solutions, directly embedded into your customer journey and value chain, we enable you to get closer to your customers, increase their lifetime value, grow your business - and at the same time streamline your operations and reduce cost.
*Source: Harvard Business Review
Turn your payments into an engagement engine, Cards-as-a- Service ensures your customers interact with your brand every day, not just occasionally. The result? Higher retention, stronger loyalty, and increased lifetime value.
Give your customers seamless financial experiences - right within your product or service. Whether it’s embedded payments, accounts, or cards, you can reduce friction, boost customer engagement, and create new revenue streams effortlessly.
Gain visibility into expenses, cut fraud risk, and ensure compliance - while saving time and costs. Digital solutions enable you to manage cash flow efficiently and make smarter, data-driven financial decisions.
We enable you to focus on your core competencies, your customers, and employees. Discover unexpected revenue streams while saving costs.
Online identification of natural and legal entities, digital, near-instant and FINMA compliant (KYC)
Transaction accounts with self-created or virtual IBANs; CHF-deposits safely held at Swiss National Bank
Self-sovereign issuing and management of cards, countless features, in client's design
Domestic and international payments with attractive FX. Interfaces to numerous payment schemes
"Cockpit" with powerful real-time monitoring and reporting capability for any customer and product
Why a Financial Solution from YAPEAL is the right choice.
Empower your business with our cutting-edge Finance Solutions, featuring some of the most advanced RESTful APIs in Switzerland and beyond. Built with your growth in mind, our APIs are designed to seamlessly scale with your needs and support your international expansion ambitions.
At YAPEAL, we design our cloud-native, modular, and API-first core financial solution with your business at the center. Built to adapt and evolve, ensuring you’re always ahead of the curve. With YAPEAL, you gain the flexibility and innovation to meet your customers’ evolving expectations.
At the core of our operations lies a robust regulatory framework designed to ensure the highest levels of security, compliance, and transparency.
We’ve designed a seamless account onboarding and identity verification process - so you don’t have to. Once you’re set up, our Swiss-based operational and compliance teams ensure that every transfer and payment runs smoothly and remains fully compliant, every day. And if you or your customers ever have transaction-related questions, our dedicated Swiss support team is available 24/7 to assist you.
YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.
We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.
YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank.
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