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Electronic Merchant Systems

Electronic Merchant Systems

US SMB omnichannel merchant services

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

2 shared

3 unique to A-Pay
Regions

0 shared

1 unique to Electronic Merchant Systems · 6 unique to A-Pay
Pay methods

5 shared

3 unique to Electronic Merchant Systems · 14 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 11 more than Electronic Merchant Systems. Verify directly with each provider before signing.

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Show full specs
5 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Electronic Merchant Systems Electronic Merchant Systems
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
1988
2021
Headquarters
Cleveland, Ohio
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 8)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Discover 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 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Electronic Merchant Systems is best when you...

US SMB omnichannel merchant services
Want coverage in North America
A-Pay doesn't cover this region
View Electronic Merchant Systems

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Electronic Merchant Systems and A-Pay?
They share 5 payment methods and 0 regions. Electronic Merchant Systems adds Debit Card, Discover, Mobile Wallet that A-Pay does not list; A-Pay adds Alipay, Apple Pay, Bank Transfer and 11 more that Electronic Merchant Systems does not list; Electronic Merchant Systems also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Electronic Merchant Systems 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 Electronic Merchant Systems and A-Pay?
Electronic Merchant Systems lists 1 region and 8 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Electronic Merchant Systems and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Electronic Merchant Systems does not list one; A-Pay supports webhooks; Electronic Merchant Systems settles in 1–3 business days, 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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