Secure payments.
Engineered for scale.
PCI-DSS-ready payment platform with AI fraud detection — built for GCC banks, fintechs, and government portals.
Payment Hub
in detail.
A modern payment orchestration platform built for GCC banks, fintechs, and government payment portals. PCI-DSS-compliant by design, AI-powered fraud detection, and engineered for the regulatory frameworks of the region.
PCI-DSS Compliance
Architecture and operations aligned with PCI-DSS Level 1 requirements — designed for the most sensitive payment environments.
AI Fraud Detection
Real-time anomaly detection and risk scoring at every transaction — reducing fraud loss without adding friction.
Multi-Channel Acceptance
Web, mobile, point-of-sale, and government portals — unified through a single payment orchestration layer.
GCC Bank Connectivity
Pre-built connectors to local acquiring banks, payment processors, and regional payment networks.
Tokenization & Vaulting
Card-on-file tokenization with secure vaulting — reducing PCI scope while enabling repeat payments.
Full Reconciliation
Automated settlement, refund handling, and reconciliation against acquirer reports.
Numbers that deliver.
Book a personalized walkthrough with one of our solution architects.
Three things that make it different.
PCI-DSS by Architecture
Challenge: Most payment systems treat compliance as a checklist applied after the platform is built — making audits painful and expensive.
Our approach: PCI-DSS controls, tokenization, and network segmentation are designed into the architecture — every component is audit-aligned from day one.
AI Fraud Detection
Challenge: Traditional rule-based fraud detection generates too many false positives and misses sophisticated attacks.
Our approach: Machine learning models trained on regional payment patterns provide real-time anomaly detection with low false-positive rates.
Built for GCC Markets
Challenge: Global payment platforms require expensive customization to integrate with GCC acquiring banks and local payment rails.
Our approach: Pre-built connectors to QPay, Naps, regional processors, and major GCC acquiring banks. Arabic-first UX and SAR/QAR/AED native support.
Built on proven
Azure services.
Enterprise scalability. Security. AI-powered intelligence. Full DevOps lifecycle.
Azure Kubernetes Service
Containerized orchestration with auto-scaling for payment microservices.
Azure Key Vault + HSM
Hardware Security Modules for cryptographic key management aligned with PCI-DSS.
Azure SQL Managed Instance
Fully managed SQL with TDE, audit logging, and PCI-DSS-aligned controls.
Azure Front Door + WAF
Edge security with DDoS protection and Web Application Firewall.
Azure Machine Learning
Fraud detection model training, deployment, and continuous improvement.
Azure Event Hubs
High-throughput event streaming for real-time transaction processing.
Azure Monitor + Sentinel
Full observability and SIEM integration for security operations and compliance.
Azure DevOps
CI/CD pipelines with compliance gates and security scanning built in.
Deployed in Qatar’s
most demanding environments.
Built from production-proven components already deployed in Qatar. Arabic-first design and enterprise governance from day one.
GCC PAYMENT PORTALS
Government payment platforms processing millions of transactions across multiple ministries.
REGIONAL FINTECH
Modern payment orchestration for emerging fintechs across the GCC and MENA.
4B QAR PROCESSED
applab-built payment systems have processed over 4 billion QAR in transaction value.
PCI-LEVEL OPERATIONS
ISO/IEC 27001 and PCI-DSS-aligned operations supporting enterprise payment workloads.
500+ PROJECTS DELIVERED
170+ enterprise clients across Qatar, Kuwait, and the wider GCC/MENA region.
Built for your environment.
Designed for customer-tenant deployment on Azure. Applab manages delivery, configuration, and ongoing support.
Ideal for
Banks, fintechs, telecom providers, and government payment portals across the GCC.
Geo availability
Qatar and Kuwait. Azure sovereign deployment available for expanded GCC/MENA coverage.
Deployment model
Customer-tenant deployment on Azure. PCI-DSS scope reduction via tokenization and network segmentation.
Integration ready
Pre-built connectors to GCC acquiring banks, payment processors, and government billing systems.
See how it works in your environment.
Contact us to arrange a live demonstration and a scoping discussion tailored to your environment.