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Culqi

Culqi

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo

VS

Alipay

Chinese Consumers

Alipay
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

0 shared

3 unique to Culqi · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

3 shared

4 unique to Culqi · 4 unique to Alipay
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 · 11 payment methods · 8 regions. We don't rank these — they're here for reference.
Culqi Culqi
Alipay Alipay
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
Next business day
Founded
2013
2004
Headquarters
Lima, Peru
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Culqi leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Alipay Unique
—
✓
Bank Transfer Unique
✓
—
Bnpl Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet
✓
✓
Jcb Unique
—
✓
Mastercard
✓
✓
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Culqi is best when you...

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo
Need Instant Sandbox
Not available with Alipay
Need Recurring Payments
Not available with Alipay
View Culqi

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Culqi
Need Instant Payout
Not available with Culqi
Want coverage in Africa, Asia, Europe, Middle East, North America, Oceania, Southeast Asia
Culqi doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Culqi and Alipay?
They share 3 payment methods and 1 region. Culqi adds Bank Transfer, Buy Now Pay Later, Credit Card and 1 more that Alipay does not list; Alipay adds Alipay, JCB, QR Code and 1 more that Culqi does not list; Alipay also covers Africa, Asia and 5 more; only Culqi offers Instant Sandbox, Recurring Payments and 1 more.
Which is cheaper, Culqi or Alipay?
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; Alipay 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 Alipay?
Culqi lists 1 region and 7 payment methods; Alipay lists 8 and 7. 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 Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Culqi settles in Same day, Alipay in Next business day.

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