Menu

Discover

All Providers Compare Use Cases Find Your Provider

Solutions

Connect License Watch MCP Partnership Claim Listing Get Listed Verified Listings Pricing

Resources

Blog About Contact
Log in Join free
American Express

American Express

Premium Card Network & Acquiring

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.5-3.5% merchant vs Custom
Features

1 shared

1 unique to American Express · 4 unique to A-Pay
Regions

4 shared

2 unique to American Express · 2 unique to A-Pay
Pay methods

3 shared

16 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 16 more than American Express. Verify directly with each provider before signing.

Want a personalized shortlist? Get matched
2-minute quiz

Still deciding? Find your perfect match.

Answer a few questions about your business type, volume, and must-have features. We'll recommend the best provider for your specific needs.

Find my match

Free. Takes 2 minutes. No account required.

For developers · MCP

Tired of clicking around? Use our MCP.

Point Claude, ChatGPT, or Cursor at our endpoint. compare_providers returns the same data — in one tool call. Free preview, no API key.

See how it works
Show full specs
6 features · 19 payment methods · 8 regions. We don't rank these — they're here for reference.
American Express American Express
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.5-3.5% merchant
Custom
Settlement
Time to receive funds
3–7 business days
1–2 business days
Founded
1850
2021
Headquarters
New York, USA
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

American Express is best when you...

Premium Card Network & Acquiring
Need Enterprise
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View American Express

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between American Express and A-Pay?
They share 3 payment methods and 4 regions. A-Pay adds ACH, Alipay, Bank Transfer and 13 more that American Express does not list; American Express also covers North America, Oceania; A-Pay also covers Africa, Southeast Asia; only American Express offers Enterprise.
Which is cheaper, American Express or A-Pay?
American Express has published rates from 2.5-3.5% merchant; 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 American Express and A-Pay?
American Express lists 6 regions and 3 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe, Latin America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do American Express and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, American Express does not list one; both support webhooks; American Express settles in 3–7 business days, A-Pay in 1–2 business days.

Are you American Express or A-Pay?

Claim your profile to update information, respond to comparisons, and access visitor analytics.

Claim this profile
Compare Other Providers

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.

See something wrong? Report inaccurate info →