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Billmate

Billmate

Swedish e-commerce

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.4% + SEK 3 vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

2 shared

4 unique to Billmate · 17 unique to A-Pay
On region

A-Pay covers 6 regions; Billmate covers 1. Verify directly with each provider before signing.

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Show full specs
5 features · 23 payment methods · 6 regions. We don't rank these — they're here for reference.
Billmate Billmate
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.4% + SEK 3
Custom
Settlement
Time to receive funds
14–30 business days
1–2 business days
Founded
2012
2021
Headquarters
Malmo, Sweden
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Installments Unique
✓
—
Invoice Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Swish Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Billmate is best when you...

Swedish e-commerce
View Billmate

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Billmate and A-Pay?
They share 2 payment methods and 1 region. Billmate adds Buy Now Pay Later, Installments, Invoice and 1 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Billmate does not list; A-Pay also covers Africa, Asia and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 2 more.
Which is cheaper, Billmate or A-Pay?
Billmate has published rates from 1.4% + SEK 3; 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 Billmate and A-Pay?
Billmate lists 1 region and 6 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Billmate and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Billmate settles in 14–30 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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