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BharatPe

BharatPe

Indian Merchant QR Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free QR payments, lending interest varies vs Custom
Features

1 shared

2 unique to BharatPe · 4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

2 shared

3 unique to BharatPe · 17 unique to A-Pay
On settlement

BharatPe settles in Instant; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
BharatPe BharatPe
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free QR payments, lending interest varies
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2018
2021
Headquarters
New Delhi, India
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi
✓
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

BharatPe is best when you...

Indian Merchant QR Payments
Need Enterprise
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View BharatPe

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between BharatPe and A-Pay?
They share 2 payment methods and 1 region. BharatPe adds Buy Now Pay Later, Debit Card, QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that BharatPe does not list; A-Pay also covers Africa, Europe and 3 more; only BharatPe offers Enterprise, Low Fees.
Which is cheaper, BharatPe or A-Pay?
BharatPe has published rates from Free QR payments, lending interest varies; 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 BharatPe and A-Pay?
BharatPe lists 1 region and 5 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do BharatPe and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; BharatPe settles in Instant, 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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