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Clair

Clair

Embedded earned wage access for payroll and workforce platforms

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH. vs Custom
Features

0 shared

3 unique to Clair · 5 unique to A-Pay
Regions

0 shared

1 unique to Clair · 6 unique to A-Pay
Pay methods

3 shared

1 unique to Clair · 16 unique to A-Pay

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Show full specs
8 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Clair Clair
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2019
2021
Headquarters
New York, United States
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
Enterprise 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 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Clair is best when you...

Embedded earned wage access for payroll and workforce platforms
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Clair

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Clair and A-Pay?
They share 3 payment methods and 0 regions. Clair adds Debit Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that Clair does not list; Clair also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Clair or A-Pay?
Clair has published rates from Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.; 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 Clair and A-Pay?
Clair lists 1 region and 4 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Clair and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Clair does not list one; A-Pay supports webhooks; Clair settles in Instant, A-Pay in 1–2 business days.

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