Alma
European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.
VS
A-Pay
Global Multi-Currency Payment Gateway
Fees 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. vs Custom
Features
0 shared
5 unique to A-Pay
Regions
0 shared
6 unique to A-Pay
Pay methods
4 shared
5 unique to Alma · 15 unique to A-Pay
On region
A-Pay covers 6 regions; Alma covers 0. Verify directly with each provider before signing.
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Show full specs 5 features · 24 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
5 features · 24 payment methods · 6 regions. We
don't rank these — they're here for reference.
Alma A-PayQuick Facts
Fees
Standard transaction rate
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.
Custom
Settlement
Time to receive funds
Your customers pay later and you receive the full amount immediately.
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features A-Pay leads (5 vs 0)
A-Pay leads (5 vs 0)Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods A-Pay leads (19 vs 9)
A-Pay leads (19 vs 9)Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bancontact Unique
✓
—
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Cartes Bancaires Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal
✓
✓
Installments Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Payconiq Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions A-Pay leads (6 vs 0)
A-Pay leads (6 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓
Alma is best when you...
European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.
A-Pay is best when you...
Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Alma
Need High Risk Accepted
Not available with Alma
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Alma doesn't cover these regions
Frequently Asked Questions
What is the difference between Alma and A-Pay?
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.
Which is cheaper, Alma or A-Pay?
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.
Where can I use Alma and A-Pay?
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.
How do Alma and A-Pay compare on integration and settlement?
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.
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