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Chapa

Chapa

Ethiopian Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From 2% per transaction vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

3 shared

1 unique to Chapa · 16 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
5 features · 20 payment methods · 6 regions. We don't rank these — they're here for reference.
Chapa Chapa
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From 2% per transaction
Custom
Settlement
Time to receive funds
1–3 hours
1–2 business days
Founded
2021
2021
Headquarters
Addis Ababa, Ethiopia
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 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money
✓
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi 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
—
✓

Chapa is best when you...

Ethiopian Payments
View Chapa

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Chapa and A-Pay?
They share 3 payment methods and 1 region. Chapa adds Debit Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that Chapa does not list; A-Pay also covers Asia, Europe and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 2 more.
Which is cheaper, Chapa or A-Pay?
Chapa has published rates from From 2% per transaction; 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 Chapa and A-Pay?
Chapa lists 1 region and 4 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 Chapa and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Chapa settles in 1–3 hours, 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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