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DuitNow

DuitNow

Malaysian instant bank transfers and interoperable QR

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Per-transaction fees vs Custom
Features

1 shared

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

1 shared

5 unique to A-Pay
Pay methods

1 shared

3 unique to DuitNow · 18 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
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
DuitNow DuitNow
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Per-transaction fees
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2018
2021
Headquarters
Kuala Lumpur, Malaysia
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 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Debit Unique
✓
—
Fpx Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia
✓
✓

DuitNow is best when you...

Malaysian instant bank transfers and interoperable QR
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View DuitNow

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between DuitNow and A-Pay?
They share 1 payment method and 1 region. DuitNow adds Direct Debit, FPX, QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that DuitNow does not list; A-Pay also covers Africa, Asia and 3 more; only DuitNow offers Instant Payout, Low Fees.
Which is cheaper, DuitNow or A-Pay?
DuitNow has published rates from Per-transaction fees; 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 DuitNow and A-Pay?
DuitNow lists 1 region and 4 payment methods; A-Pay lists 6 and 19. both cover Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do DuitNow and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, DuitNow does not list one; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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