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Culqi

Culqi

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee vs Custom
Features

3 shared

2 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

4 shared

3 unique to Culqi · 15 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 12 more than Culqi. Verify directly with each provider before signing.

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Show full specs
5 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Culqi Culqi
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2013
2021
Headquarters
Lima, Peru
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox
✓
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Bnpl Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet 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
✓
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Culqi is best when you...

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo
View Culqi

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Culqi and A-Pay?
They share 4 payment methods and 1 region. Culqi adds Buy Now Pay Later, Debit Card, Digital Wallet that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 12 more that Culqi does not list; A-Pay also covers Africa, Asia and 3 more; only A-Pay offers Crypto Support, High Risk Accepted.
Which is cheaper, Culqi or A-Pay?
Culqi has published rates from 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee; 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 Culqi and A-Pay?
Culqi lists 1 region and 7 payment methods; A-Pay lists 6 and 19. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Culqi and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Culqi settles in Same day, A-Pay in 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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