Apata.com is a fintech startup that specializes in providing a 3D Secure solution for fintech issuers and processors. The company operates in the financial technology market, serving fintech companies that issue and process transactions. Their primary offering is a modern and flexible 3D Secure solution, a protocol designed to be an additional security layer for online credit and debit card transactions.

Their solution supports both 3DS1 and 3DS2 versions of the protocol, and includes features such as issuer Strong Customer Authentication (SCA) exemptions like Transaction Risk Analysis (TRA) and Merchant Whitelisting. These features help to optimize the transaction process, reducing the likelihood of transaction abandonment and improving the overall user experience.

Apata's business model revolves around working closely with their clients to create optimized challenge processes. They aim to streamline the onboarding process, making it as easy, efficient, and controlled as possible. The company has over 8 years of experience in the field, using their accumulated knowledge to continually improve their 3D Secure solution.

The company generates revenue by selling their 3D Secure solution to fintech issuers and processors. They have been praised for their product engineering, solution flexibility, and customer focus, making them a competitive player in the fintech market.

Keywords: Fintech, 3D Secure Solution, Issuers, Processors, Transaction Risk Analysis, Merchant Whitelisting, User Experience, Onboarding, Product Engineering, Customer Focus.