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Bizum

Bizum

Spanish Mobile Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free for P2P, merchant fees vary vs Custom
Features

0 shared

2 unique to Bizum · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

1 shared

2 unique to Bizum · 18 unique to A-Pay

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Show full specs
7 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
Bizum Bizum
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free for P2P, merchant fees vary
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2016
2021
Headquarters
Madrid, Spain
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
P2p Transfer Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Bizum is best when you...

Spanish Mobile Payments
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View Bizum

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Bizum and A-Pay?
They share 1 payment method and 1 region. Bizum adds Mobile Wallet, P2P Transfer that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Bizum does not list; A-Pay also covers Africa, Asia and 3 more; only Bizum offers Instant Payout, Low Fees.
Which is cheaper, Bizum or A-Pay?
Bizum has published rates from Free for P2P, merchant fees vary; 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 Bizum and A-Pay?
Bizum lists 1 region and 3 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 Bizum and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Bizum 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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