Cash App

Cash App

US Mobile Banking & P2P

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free basic, 1.75% instant vs Custom
Features

2 shared

1 unique to Cash App · 3 unique to A-Pay
Regions

1 shared

1 unique to Cash App · 5 unique to A-Pay
Pay methods

2 shared

3 unique to Cash App · 17 unique to A-Pay
On region

A-Pay covers 6 regions; Cash App covers 2. Verify directly with each provider before signing.

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Show full specs
6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Cash App Cash App
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free basic, 1.75% instant
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2013
2021
Headquarters
San Francisco, California
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support
✓
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Bitcoin Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Cash App is best when you...

US Mobile Banking & P2P
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Cash App

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Cash App and A-Pay?
They share 2 payment methods and 1 region. Cash App adds Bitcoin, Debit Card, Digital Wallet that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Cash App does not list; Cash App also covers North America; A-Pay also covers Africa, Asia and 3 more.
Which is cheaper, Cash App or A-Pay?
Cash App has published rates from Free basic, 1.75% instant; 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 Cash App and A-Pay?
Cash App lists 2 regions and 5 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 Cash App and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Cash App 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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