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C

Citi

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
— vs Custom
Features

0 shared

5 unique to A-Pay
Regions

5 shared

2 unique to Citi · 1 unique to A-Pay
Pay methods

5 shared

1 unique to Citi · 14 unique to A-Pay
On region

Citi covers 7 regions; A-Pay covers 6. Verify directly with each provider before signing.

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5 features · 20 payment methods · 8 regions. We don't rank these — they're here for reference.
Citi
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
—
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Swift Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Citi leads (7 vs 6)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Citi is best when you...

Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Citi

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Citi
Need High Risk Accepted
Not available with Citi
Want coverage in Southeast Asia
Citi doesn't cover this region
View A-Pay

Frequently Asked Questions

What is the difference between Citi and A-Pay?
They share 5 payment methods and 5 regions. Citi adds SWIFT that A-Pay does not list; A-Pay adds Alipay, Apple Pay, Bank Transfer and 11 more that Citi does not list; Citi also covers North America, Oceania; A-Pay also covers Southeast Asia.
Which is cheaper, Citi or A-Pay?
Citi has no published rate; 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 Citi and A-Pay?
Citi lists 7 regions and 6 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Citi and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Citi does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 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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