ANTOM

ANTOM is a global merchant payment and digitization-services brand operated within Ant International, the Singapore-based international financial technology business associated with Ant Group. The brand provides payment acceptance, acquiring, payment orchestration, merchant technology, and risk-management capabilities for businesses operating across borders and across online and physical channels. ANTOM was established in 2023 as part of Ant International's expansion and consolidation of its international financial-services activities. Ant International operates as the international business platform with an independent board, and its portfolio also includes Alipay+, a gateway connecting international merchants with mobile wallets; WorldFirst, a cross-border business-account and payments service; and Bettr, an embedded-finance service. Within that portfolio, ANTOM is focused primarily on merchants, platforms, and enterprises that need to accept and manage payments in multiple countries. The brand's service scope includes online and point-of-sale payment processing, acquiring, payment orchestration, subscription and recurring billing, virtual-terminal functionality, and technology for detecting and managing fraud. Its stated value proposition is to reduce the operational complexity of accepting local and international payment methods, while helping merchants improve transaction approval, manage disputes, support revenue recovery, and expand into new markets. ANTOM's acquiring network extends across more than 50 countries and regions, while its services cover more than 200 international markets and transactions in more than 100 currencies, according to the available reference material. ANTOM has expanded its capabilities through partnerships and corporate integration. Ant International acquired a majority stake in Singapore-based payments platform 2C2P in 2022, before ANTOM's establishment as a named brand, to strengthen payment capabilities in emerging markets. MultiSafepay became an Ant International subsidiary in 2024 and was integrated with ANTOM for small and medium-sized business payment services in Europe. The brand has also been associated with payment initiatives involving AirAsia MOVE, Booking.com, foodpanda Philippines, MoboPay, Google Play, Splitit, Adobe, Mastercard, Visa, and Deutsche Bank. These relationships cover areas such as travel payments, rewards, installment payments, cross-border commerce, and card-transaction technology. Artificial intelligence became a prominent part of ANTOM's product direction in 2025. Antom Copilot 2.0 uses large language models and automation to assist with merchant onboarding, payment integration, dispute resolution, and revenue recovery. ANTOM also introduced an agentic-payment solution designed to let AI agents initiate transactions through cards and alternative payment methods. The solution uses an AI-oriented payment-mandate model and additional risk controls intended to address authorization and security requirements in machine-initiated commerce. The available public material does not establish standalone financial results, a separate legal-entity structure for the ANTOM brand, or a complete list of executives. It also does not identify a public stock listing or ticker for ANTOM. Recognition cited for the brand includes a 2024 World Travel Tech Award for the world's best B2B travel-payments provider, 2025 Asian Experience Awards in payment-related categories, and a 2025 Best Merchant Service in Asia Pacific award from The Asian Banker for the A+ Rewards platform.

ANTOM emerged in 2023 as the merchant-payments and digitization brand within Ant International. Its creation followed Ant Group's effort to organize international financial-services activities under Ant International, a Singapore-headquartered business with an independent board. The resulting portfolio included several specialized services: Alipay+ for wallet connectivity, WorldFirst for cross-border business accounts and payments, Bettr for embedded finance, and ANTOM for merchant acquiring and payment infrastructure. The brand's development was preceded by Ant International's investment in international payment infrastructure. In 2022, Ant International acquired a majority stake in 2C2P, a Singapore-based payment platform. That transaction expanded the group's ability to serve merchants in emerging markets and became part of the broader infrastructure supporting its cross-border payments strategy. After its 2023 establishment, ANTOM became the primary merchant-acquiring and payment-services identity for Ant International. ANTOM's operating model combines payment acceptance with merchant technology. Rather than being limited to a single wallet or domestic payment method, the service is designed to connect businesses with payment methods and acquiring arrangements across markets. Its capabilities cover online checkout and point-of-sale transactions, recurring and subscription payments, virtual terminals, payment orchestration, and AI-supported fraud and risk management. The brand describes an international footprint spanning more than 200 markets, over 100 currencies, and an acquiring network in more than 50 countries and regions. Expansion continued through a mixture of partnerships and group integration. In Europe, MultiSafepay became an Ant International subsidiary in 2024 and was connected with ANTOM to serve small and medium-sized businesses. In Southeast Asia, the brand worked with travel and commerce businesses including AirAsia MOVE and Booking.com on cross-border payment use cases. It also collaborated with foodpanda Philippines and MoboPay on a rewards initiative. Other relationships cited in connection with the business include Google Play, Splitit, Adobe, and Deutsche Bank, while pilots involving Mastercard and Visa explored AI-enabled card transactions in the Asia-Pacific region. During 2025, ANTOM emphasized artificial intelligence as a way to improve merchant operations and prepare payment infrastructure for automated commerce. Antom Copilot 2.0 uses large language models and automation for functions such as onboarding, technical integration, dispute handling, and revenue recovery. ANTOM also introduced an agentic-payment product intended to allow AI agents to initiate purchases using cards and alternative payment methods. Its design includes an AI-ready payment mandate and additional risk controls, reflecting the need to authenticate and govern transactions initiated by software rather than directly by a human shopper. The brand received external recognition as its international profile developed. In 2024, it was recognized by the World Travel Tech Awards as the world's best B2B travel-payments provider. In 2025, it received payment-related honors at the Asian Experience Awards and a Best Merchant Service in Asia Pacific award from The Asian Banker for the A+ Rewards platform. Public information remains limited regarding ANTOM's precise legal status, standalone financial performance, headquarters beyond its association with Ant International's Singapore base, and executive leadership. Accordingly, its history is best understood as the development of a named operating brand within Ant International rather than as the independently documented history of a separately listed payments company.

• 2025

  Antom Copilot 2.0 and agentic payments were introduced

  [1]Antomen.wikipedia.org

  ANTOM expanded into AI-supported merchant operations and software-initiated payments through Antom Copilot 2.0 and an agentic-payment solution.

• 2024

  MultiSafepay became an Ant International subsidiary

  [1]Antomen.wikipedia.org

  MultiSafepay was integrated with ANTOM to support payment services for European small and medium-sized businesses.

• 2024

  ANTOM received travel-payments recognition

  [1]Antomen.wikipedia.org

  The brand received a World Travel Tech Award recognizing it as the world's best B2B travel-payments provider.

• 2023

  ANTOM was established

  [1]Antomen.wikipedia.org

  ANTOM was established as part of Ant International's international financial-services portfolio, with a focus on merchant payments and business digitization.

• 2022

  Ant International acquired a majority stake in 2C2P

  [1]Antomen.wikipedia.org

  The investment in Singapore-based payments platform 2C2P strengthened Ant International's payment capabilities in emerging markets and preceded the creation of ANTOM as a named merchant-services brand.

A global merchant-acquiring, payment-orchestration, and business-digitization platform for cross-border commerce.

• payment services

  Merchant payment processing and acquiring

  ANTOM provides payment acceptance and acquiring capabilities for online and physical merchants. The service is intended to connect businesses with payment methods across international markets while supporting transaction processing, settlement-related operations, and expansion into new countries. The available reference material describes an acquiring network in more than 50 countries and regions, but does not provide a complete list of acquiring licenses or legal entities.

• payment technology

  Payment orchestration

  Payment-orchestration capabilities help merchants coordinate multiple payment methods, processing routes, and transaction flows through a unified integration. ANTOM positions this functionality as a way to reduce the technical and operational complexity of cross-border commerce. Detailed product tiers, pricing, and separately branded modules are not publicly specified in the available material.

• payment services

  Subscription and recurring payments

  ANTOM supports recurring and subscription billing use cases for merchants that collect payments repeatedly over time. These capabilities are relevant to digital services, memberships, and other repeat-purchase models. Public information does not establish the full range of billing controls, supported methods, or market-specific compliance arrangements.

• artificial intelligence and merchant operations · 2025

  Antom Copilot 2.0

  Released in 2025, Antom Copilot 2.0 uses large language models and automation to assist merchants with onboarding, payment integration, dispute resolution, and revenue recovery. It represents ANTOM's effort to extend beyond transaction processing into operational assistance. The available material does not identify the underlying model providers or provide independent performance measurements.

• AI payments · 2025

  Agentic payment solution

  ANTOM's agentic-payment solution is designed for transactions initiated by AI agents. It supports cards and alternative payment methods and incorporates an AI-ready payment mandate model alongside enhanced risk-management controls. The product addresses authorization, security, and payment-governance issues associated with automated purchasing, although its commercial availability and detailed implementation scope are not fully documented.

• merchant rewards and engagement

  A+ Rewards

  A+ Rewards is a rewards-related platform associated with ANTOM's merchant-services activities. It was recognized by The Asian Banker in 2025 as a Best Merchant Service in Asia Pacific. Public information available for this entry does not establish the platform's full geographic scope, commercial model, or participating merchant list.

• 2024Travel and cross-border payment partnerships

  Southeast Asia · International travel

  ANTOM worked with AirAsia MOVE and Booking.com on cross-border payment use cases supporting travel commerce and international customers.

  Outcome. The partnerships broadened ANTOM's exposure to travel platforms and demonstrated its use in cross-border payment acceptance.

  Source
• 2024foodpanda Philippines and MoboPay rewards collaboration

  The Philippines

  ANTOM collaborated with foodpanda Philippines and MoboPay on a rewards program connected with digital commerce and payments.

  Outcome. The initiative extended ANTOM's merchant-services activity into customer rewards and engagement in the Philippine market.

  Source

• 2025

  Moved into AI-assisted merchant operations and agentic paymentsProduct launch

  Background

  The growth of automated commerce created demand for tools that could assist merchants and govern transactions initiated by AI systems.

  Action taken

  ANTOM introduced Antom Copilot 2.0 and an agentic-payment solution with AI-oriented authorization and risk-management capabilities.

  Aftermath

  The launches positioned ANTOM around AI-enabled merchant operations and emerging machine-initiated payment use cases.

  Source

• 2024

  Integrated MultiSafepay into the ANTOM merchant-services ecosystemM&A

  Background

  Ant International expanded its European small and medium-sized business payments capability after MultiSafepay became a subsidiary.

  Action taken

  MultiSafepay was integrated with ANTOM for SME payment services in Europe.

  Aftermath

  The integration increased ANTOM's connection with European merchant acquiring and payment services.

  Source

• 2023

  Established a dedicated international merchant-payments brandStrategy

  Background

  Ant International consolidated its international financial-services activities and needed a distinct identity for merchant acquiring, payment processing, and business digitization.

  Action taken

  ANTOM was established as the merchant-services brand within the Ant International portfolio.

  Aftermath

  ANTOM subsequently became the primary Ant International brand for merchant acquiring and payment services.

  Source

1. 1Antomen.wikipedia.org