They share 4 payment methods and 0 regions. Alma adds Bancontact, Buy Now Pay Later, Cartes Bancaires and 2 more that A-Pay does not list; A-Pay adds ACH, Alipay, Apple Pay and 12 more that Alma does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.

Alma has published rates from Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.

Alma lists 0 regions and 9 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.

A-Pay offers a sandbox, Alma does not list one; A-Pay supports webhooks; Alma settles in Your customers pay later and you receive the full amount immediately., A-Pay in 1–2 business days.