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ACI Worldwide

ACI Worldwide

Real-time payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

2 unique to ACI Worldwide · 5 unique to A-Pay
Regions

5 shared

2 unique to ACI Worldwide · 1 unique to A-Pay
Pay methods

5 shared

14 unique to ACI Worldwide · 14 unique to A-Pay
On region

ACI Worldwide covers 7 regions; A-Pay covers 6. Verify directly with each provider before signing.

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Show full specs
7 features · 33 payment methods · 8 regions. We don't rank these — they're here for reference.
ACI Worldwide ACI Worldwide
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
1975
2021
Headquarters
Elkhorn, Nebraska, United States
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Digital Wallet Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Faster Payments Unique
✓
—
Fednow Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Mobile Payment Unique
✓
—
Open Banking Unique
✓
—
P2p Transfer Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Real Time Payments Unique
✓
—
Sepa
✓
✓
Sofort Unique
—
✓
Swift Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Wire Transfer Unique
✓
—
Regions
ACI Worldwide leads (7 vs 6)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

ACI Worldwide is best when you...

Real-time payments
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View ACI Worldwide

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with ACI Worldwide
Need High Risk Accepted
Not available with ACI Worldwide
Want coverage in Southeast Asia
ACI Worldwide doesn't cover this region
View A-Pay

Frequently Asked Questions

What is the difference between ACI Worldwide and A-Pay?
They share 5 payment methods and 5 regions. ACI Worldwide adds Contactless, Digital Wallet, Diners Club and 11 more that A-Pay does not list; A-Pay adds Alipay, Apple Pay, Bank Transfer and 11 more that ACI Worldwide does not list; ACI Worldwide also covers North America, Oceania; A-Pay also covers Southeast Asia.
Which is cheaper, ACI Worldwide or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use ACI Worldwide and A-Pay?
ACI Worldwide lists 7 regions and 19 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do ACI Worldwide and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; ACI Worldwide settles in Same day, A-Pay in 1–2 business days.

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