How it Works

apay enables any business or consumer with an email address to securely and zero cost send and receive payments online ? in real-time!

Use apay to:

• Send and Receive money via email with Zero Fees
• Make online purchases with Zero Fees
• Receive a Free apay Member Pre Paid Instand Issue Debit Master Card for Withdraw your Funds

apay delivers a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms. As a true global payment solution, we welcome customers from every nation of the world!

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Referal Programm

Earn 7.5 % of all your Refered Members Transaction Fees

How to get the income of 7.5 % from my Refered Members ?

Step 1: Find out your personaly Referer Link >>> you can find in Members Area Account overview >>> http://www.apay.com/?rid=xxxxxxx ( replace xxxxxxx with your account number )

Step 2: Refer some friends or business contacts to our System by invation, advertise on your website or
use Google Adwords to advertise your Referer Link ( we have zero Keyword Restrictions ! )
Dont Spam !!! Spamming will block your Account !

Step 3: earn on every Transaction ( Fund and Withdraw ) from your Refered Members 7.5 % Transaction Fee direct to your Account.

If you Refer more than 1000 Members your income crease up to 10 % of all Refered Members Transaction Fees.

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Card Programm

How to become the Free apay Member Pre Paid Instand Issue Debit Master Card, for Withdraw your Money from your account ?

Its Easy !

Step 1: Verify your Account
Step 2: get a min. balance of 50.- Euros on your Account or Referer min. 10 new Members in your Downline
Step 3: receive your Card and use at ATM, POS etc.!
 

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apay Member Pre Paid Instand Issue Debit Master Card

( 1 time balance must be min. 50.- Euro or
10 refered Members
+ verified Account )

apay Member Pre Paid Instand Issue Debit Master Card GOLD

( 1 time balance must be min. 1000.- Euro or
100 refered members
+ verified Account )

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Fee Schedule

apay Zero Fee Solution ( welcome to the future ! )
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Send Money -- Zero Fees ! Free

Receive Money-- Zero Fees ! Free

*apay Member Pre Paid Instand Issue Debit Master Card -- Free

*apay Member Pre Paid Instand Issue Debit Master Card GOLD -- Free
 

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apay non Free Services
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Fund Account 3.- Euro + bank fees

Withdraw Money 3.- Euro + 0,75 %

Escrow Money -- 2,50 Euro

Masspay Money -- 2,50 Euro

Currency exchange rates on daily bank rates

Card Shipping Fee 8.95 Euro
( reduct from your account automaticly on activation after you receipt your card )

Card Fees are based on our differend card programms, a fee schedule you will receive with your new apay Member Pre Paid Instand Issue Debit Master Card card !

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