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Acima

Acima

No-Credit-Check Lease-to-Own

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

2 shared

3 unique to A-Pay
Regions

0 shared

1 unique to Acima · 6 unique to A-Pay
Pay methods

4 shared

2 unique to Acima · 15 unique to A-Pay
On settlement

Acima settles in 1–3 business days; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Acima Acima
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2013
2021
Headquarters
Draper, Utah
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox
✓
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Acima is best when you...

No-Credit-Check Lease-to-Own
Want coverage in North America
A-Pay doesn't cover this region
View Acima

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Acima
Need High Risk Accepted
Not available with Acima
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Acima doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Acima and A-Pay?
They share 4 payment methods and 0 regions. Acima adds Debit Card, Discover that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 12 more that Acima does not list; Acima also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Acima 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 Acima and A-Pay?
Acima lists 1 region and 6 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Acima and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Acima does not list one; both support webhooks; Acima settles in 1–3 business days, A-Pay in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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