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Afterpay

Afterpay

BNPL Pioneer

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

2 shared

1 unique to Afterpay · 3 unique to A-Pay
Regions

1 shared

2 unique to Afterpay · 5 unique to A-Pay
Pay methods

3 shared

4 unique to Afterpay · 16 unique to A-Pay

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6 features · 23 payment methods · 8 regions. We don't rank these — they're here for reference.
Afterpay Afterpay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–5 business days
1–2 business days
Founded
2014
2021
Headquarters
Melbourne, Australia
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Afterpay Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Installments 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 3)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Afterpay is best when you...

BNPL Pioneer
Need Instant Payout
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Afterpay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Afterpay and A-Pay?
They share 3 payment methods and 1 region. Afterpay adds Afterpay, Buy Now Pay Later, Digital Wallet and 1 more that A-Pay does not list; A-Pay adds ACH, Alipay, Apple Pay and 13 more that Afterpay does not list; Afterpay also covers North America, Oceania; A-Pay also covers Africa, Asia and 3 more.
Which is cheaper, Afterpay 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 Afterpay and A-Pay?
Afterpay lists 3 regions and 7 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Afterpay and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Afterpay settles in 1–5 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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