Insurers, lenders, fintechs and financial platforms need rails they can bet a licence on. We hold those licences ourselves.

Licensed recurring collections under our own PASA licence.
NCR-registered lending infrastructure — affordability, loan mgmt, collections.
Virtual cards issued via API for customer-facing products.
Reporting, roles and audit trail your auditors will actually accept.
A short-term insurer moves DebiCheck collections and virtual card issuance to Appiawave. What used to be a three-vendor setup — one bank, one gateway, one card issuer — becomes one licensed provider and one dashboard, and the audit prep drops from weeks to hours.
One call, scoped to your business. We'll show you exactly which products fit and how they'd be priced.
Tell us a bit about your business and we'll get back to you within one working day.