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CowPay

CowPay

Egyptian Payment Splitting

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
0% on select methods vs Custom
Features

1 shared

2 unique to CowPay · 4 unique to A-Pay
Regions

2 shared

4 unique to A-Pay
Pay methods

3 shared

3 unique to CowPay · 16 unique to A-Pay
On fees

CowPay publishes 0% on select methods from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
CowPay CowPay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
0% on select methods
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2019
2021
Headquarters
Sheikh Zayed, Giza, Egypt
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Cash Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East
✓
✓
Southeast Asia Unique
—
✓

CowPay is best when you...

Egyptian Payment Splitting
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View CowPay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between CowPay and A-Pay?
They share 3 payment methods and 2 regions. CowPay adds Cash, Debit Card, Mobile Wallet that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that CowPay does not list; A-Pay also covers Asia, Europe and 2 more; only CowPay offers Instant Payout, Low Fees.
Which is cheaper, CowPay or A-Pay?
CowPay has published rates from 0% on select methods; 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 CowPay and A-Pay?
CowPay lists 2 regions and 6 payment methods; A-Pay lists 6 and 19. both cover Africa, Middle East. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do CowPay and A-Pay compare on integration and settlement?
both offer a sandbox; 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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