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FAQ

To help you get started with Antom, here are some of the most frequently asked questions. If you have any further questions, please leave your contact information. Our team will be in touch right away.

What is Antom?

Antom is Ant International's unified merchant payment and digitalisation platform for businesses of all sizes worldwide. We provide unified, vertical-specific and AI-driven solutions. We support 300+ payment methods across 200+ countries and regions.
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How does Antom help businesses?

Drawing on years of payment industry experience and expertise, Antom provides one-stop, vertical-specific solutions to meet global payment needs and effectively digitalise your business.
Our secure and scalable infrastructure is tailored to meet the needs of every industry from e-commerce, digital entertainment, travel & airlines, F&B, retail, logistics and so many more.
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What AI solutions does Antom offer beyond payments?

Antom offers the following AI solutions:
  • Antom Copilot - AI partner for intelligent services throughout the merchant lifecycle
  • Antom Shield - intelligent AI risk management for fraud prevention
  • Payment Orchestration - smart routing for one-stop payment management
  • A+ Rewards - AI marketing connecting e-wallets
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What industries does Antom serve?

Antom supports a wide array of businesses across:
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Which is the right payment product for me?

Antom offers several online payment products to help streamline your cross-border transactions, click the links to find out more:
  • Checkout Payment – Empower your customers to complete one-time payments through a variety of methods, including payment links, hosted payment pages, and payment components.
  • Subscription Payment – For recurring billing (e.g., SaaS, memberships).
  • Auto Debit – For recurring payments via direct debit.
  • Scan to Link – For on-screen QR code payments.
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Which payment methods are supported by Antom?

Antom supports over 300+ global payment methods, including digital wallets, credit cards, online banking, mobile banking apps, and bank transfers. You can activate the ones your customers use most, dependent on the markets you're targeting, via a single integration.
  • Find out which local payment methods are supported at: Payment Methods
  • Example: If you are targeting Southeast Asia, you can enable Gcash, Dana, ShopeePay, and AlipayHK.
Note: Some payment methods may require additional configurations or documentation.
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What is A+ Rewards?

A+ Rewards (also referred to as Alipay+ Rewards) is a global marketing platform developed by Ant International that connects merchants and brands with users of partner digital wallets across Asia. Wallet users receive coupons, deals and gamified promotions inside the payment apps they already use, and can instantly redeem vouchers from global brands and SMEs.
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Which digital wallets are part of A+ Rewards?

A+ Rewards distributes campaigns across Alipay+ partner wallets including Alipay (Chinese mainland), AlipayHK (Hong Kong SAR), GCash (Philippines), DANA (Indonesia), TrueMoney (Thailand), Touch 'n Go eWallet (Malaysia), Kakao Pay (South Korea), Boost (Malaysia), Rabbit LINE Pay (Thailand) and Klarna (Europe), among others. The combined user base is more than one billion consumers.
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Who should use A+ Rewards?

A+ Rewards is built for global brands and merchants – especially those based outside APAC – that want to reach Asian wallet users at scale. Travel, e-commerce, streaming, gaming, lifestyle and luxury brands have all used A+ Rewards campaigns. Brands based in the US, UK and EU often use A+ Rewards as their primary route into multiple APAC wallet ecosystems through one contract.
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What is One-time Payment?

Antom One-time Payment is a global checkout solution that lets businesses accept a single transaction across 300+ payment methods and 100+ currencies through one API integration. It supports cards, digital wallets, online banking, over-the-counter and national gateway methods on web, mobile web, app, and TV.
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How do I integrate Antom One-time Payment into my website?

Antom offers three integration paths: (1) Payment Element: drop-in UI components, recommended for most merchants; (2) Hosted Checkout Page: redirect, fastest, helps reduce PCI scope; (3) API-only: fully custom checkout for engineering teams that need full UI control. Plugins are also available for Shopify and WooCommerce.
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What is Antom Payment Orchestration (APO)?

Antom Payment Orchestration (APO) is an all-in-one global payment management platform from Antom. Through APO, merchants access 100+ acquirers and 300+ payment methods worldwide, plus AI-powered smart routing, unified reporting, and value-added plugins — all from a single integration.
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How does smart routing work in Antom Payment Orchestration?

By default, APO enables smart routing to prioritise payment success rates. The smart routing engine uses big data and AI to evaluate every transaction in real time and select the best acquirer based on issuer health, BIN-level historical success, country, amount and merchant rules. Merchants can layer custom routing strategies on top for full control.
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What is the difference between payment orchestration and a payment gateway?

A payment gateway captures a transaction and passes it to a single processor or acquirer. Payment orchestration manages multiple gateways, acquirers and payment methods simultaneously, routes each transaction to the best channel, and provides one dashboard for reporting and reconciliation. Merchants with two or more acquirers, multiple regions or scale ambitions typically need orchestration.
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What is Antom Tokenised Payment?

Tokenized payment offers a fast, secure, and convenient way for customers to make one-time or recurring payments, with automatic deduction of funds from a buyer's account after a one-time authorisation. The buyer signs a payment agreement once, and the merchant can then debit for future purchases without re-authentication, subject to payment method, scheme and regulatory requirements. Supports web, mobile web (WAP) and native app, major APAC e-wallets and international card schemes.
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How does Antom Tokenised Payment work technically?

Three steps: (1) Obtain authorisation — call consult API for an authorisation URL and present to the buyer; (2) Get a payment token — call applyToken for a long-validity token; (3) Make a payment — call pay with productCode AGREEMENT_PAYMENT and the stored token. No buyer re-authorisation needed, subject to payment method and regulatory requirements. (Source: Antom Docs — Auto Debit obtain authorisation)
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What is the difference between Tokenised Payment and Subscription Payment?

Tokenised Payment is merchant-initiated, variable-amount, on-demand (ride-hailing, pay-as-you-go top-ups, usage-based). Subscription Payment is fixed-schedule recurring (weekly/monthly/annually). Tokenised Payment is more flexible on amount and timing. (Source: Antom Docs — Auto Debit overview)
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What is Antom Subscription Payment?

Antom Subscription Payment is a recurring payment model that lets merchants accept periodic automatic payments after a one-time buyer authorisation. Buyers can change subscription services, cancel renewals or terminate immediately. It supports membership subscriptions, physical-product subscriptions and regular recharge models on web, mobile web and app.
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How does Antom handle failed subscription renewals?

Antom initiates each renewal 24 hours before the billing cycle starts. If a deduction fails, Antom automatically retries for up to 24 hours until the payment succeeds or the retry window ends. The merchant receives an asynchronous notification with the final status.
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Does Antom handle 3D Secure for first-time subscription authorisation?

Yes. First authorisation uses 3D Secure 2 / wallet authentication for PSD2 SCA; subsequent renewals run as Merchant-Initiated Transactions without re-authentication in eligible scenarios.
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How do I register and complete onboarding with Antom?

Once you’ve verified eligibility and prepared your required documents, the next steps to register and complete your onboarding are:
1. Contact Antom to initiate the onboarding process.
2. Submit the required documents via the Antom portal or by email.
3. KYC and compliance review:
  • Antom will review your documents and verify your business.
  • This includes anti-money laundering (AML) and know-your-customer (KYC) checks.
4. Account approval
  • Once approved. you will receive login credentials to access the Antom Merchant Portal.
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Which documents do I need to onboard?

Here’s what you’ll need:
  • Business License
Company registration certificate from the registered region
  • ID of Legal Representative
Passport or ID card of the legal representative
  • Bank Account Information
Company bank account details for settlement
  • Business Description
Overview of your business, including services, target markets, and revenue model
  • Website or App Information
If applicable, provide your website of the business or app name
  • Beneficial Ownership Information
Information on ultimate beneficial owners and directors
  • Addtional Documents
Depending on the business type and region, you may need to provide industry-specific licenses or permits
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What do we need for settlement setup?

You’ll need to add a valid bank account in your Antom Dashboard. Settlement frequency, currencies, and account details can all be configured once your account is activated.
  • Configure your settlement plan:
  • Set your preferred settlement currency (e.g., USD, EUR, SGD).
  • Choose settlement frequency (e.g., daily, weekly, or monthly).
  • Multi-currency support:
  • Antom supports multi-currency settlement, helping you reduce foreign exchange (FX) risks and conversion costs.
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What is your settlement cycle?

There’s no predetermined settlement cycle with Antom – it really depends on the agreement you have with Antom. If you’d like to check your specific settlement cycle, the best way is to log in to your Antom dashboard. Alternatively, please feel free to contact our experts directly via this form.
For further information, you can also check out the following resources:
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How do I integrate Antom?

There are several ways to integrate. Find out which of these integration options would suit you best:
  • API Integration: For custom-built platforms.
  • SDK Integration: For faster integration with platforms like Shopify, Magento, etc.
  • Hosted Checkout Page: Redirect users to Antom’s secure payment page.
If you’re unsure about your needs or require assistance, please leave your contact information here and our experts will be in touch.
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Can I test my Antom integration before going live?

Yes, the Antom sandbox provides you a testing environment to simulate payments and ensure seamless integration of their applications with Antom products.
For further information, you can also check out the following resources:
  • Use the Antom Sandbox to simulate transactions and test your integration.
  • Find out more: Sandbox Testing
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Frequently Asked Questions (FAQs) - Antom