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Carbon

Carbon

Nigerian Fintech Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
₦100,000 one-time fee; ₦100/month per active account + 7.5% VAT; free deposits; variable transfer fees vs Custom
Features

0 shared

1 unique to Carbon · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

1 shared

1 unique to Carbon · 18 unique to A-Pay

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Show full specs
6 features · 20 payment methods · 6 regions. We don't rank these — they're here for reference.
Carbon Carbon
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
₦100,000 one-time fee; ₦100/month per active account + 7.5% VAT; free deposits; variable transfer fees
Custom
Settlement
Time to receive funds
Near-instant
1–2 business days
Founded
2012
2021
Headquarters
Lagos, Nigeria
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 2)
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
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Virtual Account Unique
✓
—
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Carbon is best when you...

Nigerian Fintech Payments
Need Instant Payout
Not available with A-Pay
View Carbon

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Carbon and A-Pay?
They share 1 payment method and 1 region. Carbon adds Virtual Account that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Carbon does not list; A-Pay also covers Asia, Europe and 3 more; only Carbon offers Instant Payout.
Which is cheaper, Carbon or A-Pay?
Carbon has published rates from ₦100,000 one-time fee; ₦100/month per active account + 7.5% VAT; free deposits; variable transfer fees; 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 Carbon and A-Pay?
Carbon lists 1 region and 2 payment methods; A-Pay lists 6 and 19. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Carbon and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Carbon settles in Near-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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