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Clio Payments

Clio Payments

Law firm billing with IOLTA trust-accounting compliance

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

2 unique to Clio Payments · 5 unique to A-Pay
Pay methods

7 shared

2 unique to Clio Payments · 12 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 · 21 payment methods · 8 regions. We don't rank these — they're here for reference.
Clio Payments Clio Payments
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2008
2021
Headquarters
Vancouver, Canada
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
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 9)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Echeck Unique
✓
—
Google Pay
✓
✓
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 3)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Clio Payments is best when you...

Law firm billing with IOLTA trust-accounting compliance
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Clio Payments

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Clio Payments and A-Pay?
They share 7 payment methods and 1 region. Clio Payments adds Debit Card, eCheck that A-Pay does not list; A-Pay adds Alipay, Bank Transfer, Crypto and 9 more that Clio Payments does not list; Clio Payments also covers North America, Oceania; A-Pay also covers Africa, Asia and 3 more.
Which is cheaper, Clio Payments or A-Pay?
Clio Payments has published rates from 2.95% for standard cards, 3.75% Amex; 1% eCheck/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 Clio Payments and A-Pay?
Clio Payments lists 3 regions and 9 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 Clio Payments and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Clio Payments does not list one; both support webhooks; Clio Payments settles in Next business day, A-Pay in 1–2 business days.

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