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bunq

bunq

European Digital Banking

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From €2.99/month vs Custom
Features

0 shared

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

1 shared

5 unique to A-Pay
Pay methods

7 shared

2 unique to bunq · 12 unique to A-Pay
On region

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

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Show full specs
7 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
bunq bunq
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From €2.99/month
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2012
2021
Headquarters
Amsterdam, Netherlands
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 9)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Swift 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
—
✓

bunq is best when you...

European Digital Banking
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View bunq

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between bunq and A-Pay?
They share 7 payment methods and 1 region. bunq adds Bancontact, SWIFT that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 9 more that bunq does not list; A-Pay also covers Africa, Asia and 3 more; only bunq offers Instant Payout, Low Fees.
Which is cheaper, bunq or A-Pay?
bunq has published rates from From €2.99/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 bunq and A-Pay?
bunq lists 1 region and 9 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 bunq and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; bunq settles in Same day, 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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