Apto Payments YC Application

Summer 2014Acquired

Apto Payments went through Y Combinator in the Summer 2014 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.

YC batch: Summer 2014
Industry: FintechPayments
Team size: 32
Status: Acquired
Launched: 2014

Founders

Greg KiddFounder
Meg NakamuraFounder

What Apto Payments does

Apto Payments provides a white-label, turnkey solution to launch innovative, user-first, card programs. Our technology empowers our customers to issue Visa and Mastercard, physical and virtual, card programs. We have both a developer-first, Instant Issuance Platform, as well as an enterprise solution for bespoke opportunities.

Apto Payments's YC application, reconstructed

Y Combinator application

Apto Payments, Summer 2014 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Apto Payments

Describe what your company does in 50 characters or less.

API platform for branded debit and credit cards

What is your company going to make? Please describe your product and what it does or will do.

We provide a white-label API platform that lets partners issue Visa and Mastercard debit and credit cards, both physical and virtual. Our product supports instant issuance and enterprise custom solutions for clients who want to run their own branded card programs without building complex payment infrastructure themselves.

Where do you live now, and where would the company be based after YC?

We live in San Francisco, CA, and the company is based here.

Explain your decision regarding location.

San Francisco is the center of fintech innovation and where we can best recruit industry talent and connect with payment partners and clients.

21 more answers in the full application

Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.

See full application

Frequently Asked Questions

Is this the real Apto Payments YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Apto Payments's public data (launch notes, founder backgrounds, product description). It shows how a company like Apto Payments would present itself to YC, not the text they submitted.