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Coupa Pay

Coupa Pay

Enterprise B2B payments and virtual card issuance inside procurement workflows

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

1 shared

1 unique to Coupa Pay · 4 unique to A-Pay
Regions

4 shared

2 unique to Coupa Pay · 2 unique to A-Pay
Pay methods

4 shared

2 unique to Coupa Pay · 15 unique to A-Pay
On region

Both cover 6 regions. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 8 regions. We don't rank these — they're here for reference.
Coupa Pay Coupa Pay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2006
2021
Headquarters
San Mateo, United States
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Check Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Virtual Card Unique
✓
—
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Coupa Pay is best when you...

Enterprise B2B payments and virtual card issuance inside procurement workflows
Need Enterprise
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Coupa Pay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Coupa Pay and A-Pay?
They share 4 payment methods and 4 regions. Coupa Pay adds Check, Virtual Card that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 12 more that Coupa Pay does not list; Coupa Pay also covers North America, Oceania; A-Pay also covers Africa, Southeast Asia.
Which is cheaper, Coupa Pay or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Coupa Pay and A-Pay?
Coupa Pay lists 6 regions and 6 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe, Latin America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Coupa Pay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Coupa Pay does not list one; both support 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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