Avanza Premier Payment Services (Pvt.) Limited (APPS) is a company formed by the joint venture of Avanza Solutions and Premier Systems. APPS is registered with the Securities and Exchange Commission of Pakistan and has been incorporated under the Companies Ordinance 1984. APPS currently holds the pilot approval to operate as a Payment System Operator/Payment System Provider from the State Bank of Pakistan under the PSO/PSP regulation, 2014. Payment System Operators act as a bridge between consumers, merchants, and financial institutions.