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Bankful

Bankful

High-Risk Multi-Vertical

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
4% - 7% per transaction vs Custom
Features

3 shared

2 unique to A-Pay
Regions

1 shared

1 unique to Bankful · 5 unique to A-Pay
Pay methods

8 shared

10 unique to A-Pay
On region

A-Pay covers 6 regions; Bankful covers 2. Verify directly with each provider before signing.

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Show full specs
5 features · 18 payment methods · 7 regions. We don't rank these — they're here for reference.
Bankful Bankful
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
4% - 7% per transaction
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2018
2021
Headquarters
United Kingdom
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support
✓
✓
High Risk Accepted
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (18 vs 8)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Crypto
✓
✓
Google Pay
✓
✓
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 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Bankful is best when you...

High-Risk Multi-Vertical
Want coverage in North America
A-Pay doesn't cover this region
View Bankful

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Instant Sandbox
Not available with Bankful
Need Startup Friendly
Not available with Bankful
Want coverage in Africa, Asia, Latin America, Middle East, Southeast Asia
Bankful doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Bankful and A-Pay?
Bankful is best for High-Risk Multi-Vertical, while A-Pay is best for Global Multi-Currency Payment Gateway. Bankful charges 4% - 7% per transaction and A-Pay charges custom pricing. They differ in supported features, regions, and payment methods.
Which is cheaper, Bankful or A-Pay?
Bankful charges 4% - 7% per transaction while A-Pay charges custom pricing. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Bankful and A-Pay together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Bankful and A-Pay can complement each other.
How do Bankful and A-Pay differ in their focus?
Bankful is focused on High-Risk Multi-Vertical, while A-Pay focuses on Global Multi-Currency Payment Gateway. They serve different market segments with different strengths.

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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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