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Bill.com

Bill.com

AP/AR Automation

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From $45/user/month vs Custom
Features

1 shared

1 unique to Bill.com · 4 unique to A-Pay
Regions

0 shared

1 unique to Bill.com · 6 unique to A-Pay
Pay methods

3 shared

2 unique to Bill.com · 16 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 14 more than Bill.com. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Bill.com Bill.com
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From $45/user/month
Custom
Settlement
Time to receive funds
2–7 business days
1–2 business days
Founded
2006
2021
Headquarters
San Jose, California, 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 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Virtual Card Unique
✓
—
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Wire Transfer Unique
✓
—
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Bill.com is best when you...

AP/AR Automation
Need Enterprise
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Bill.com

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Bill.com and A-Pay?
They share 3 payment methods and 0 regions. Bill.com adds Virtual Card, Wire Transfer that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 13 more that Bill.com does not list; Bill.com also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Bill.com or A-Pay?
Bill.com has published rates from From $45/user/month; 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 Bill.com and A-Pay?
Bill.com lists 1 region and 5 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 Bill.com and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Bill.com settles in 2–7 business days, 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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