Etapay
Companies that need a business euro account with SEPA payments for their day-to-day EUR operations.
VS
A-Pay
Global Multi-Currency Payment Gateway
Fees from
Two-tier pricing (Tier 1 / Tier 2): Account opening fee €300 / €750; Document review fee (up to 10 working days) €250 / €750; Expedited document review (up to 2 working days) €500 / €1,000; Monthly fee for Current Account maintenance €50 / €200; Closing a Current Account €100 / €150; Dormant account fee €200 / €200; Incoming SEPA payments (Credit and Instant) €0 / 0.5% (min 5 EUR); Outgoing SEPA Transfer (Credit and Instant) up to €5,000 €1 / 0.5% (min 5 EUR); above €5000 up to €50,000 €5 / 0.5%; over €50,000 €10 / 0.5%; Internal transfer and Transfer within Etapay network €0; Yearly fee for holding funds (if the account balance ≥ €50,000 for Tier 1 or ≥ €30,000 for Tier 2), charged monthly 0.7% per annum. vs Custom
Features
0 shared
5 unique to A-Pay
Regions
0 shared
6 unique to A-Pay
Pay methods
2 shared
1 unique to Etapay · 17 unique to A-Pay
On payment methods
A-Pay supports 19 payment methods, 16 more than Etapay. Verify directly with each provider before signing.
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Show full specs 5 features · 20 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
5 features · 20 payment methods · 6 regions. We
don't rank these — they're here for reference.
Etapay A-PayQuick Facts
Fees
Standard transaction rate
Two-tier pricing (Tier 1 / Tier 2): Account opening fee €300 / €750; Document review fee (up to 10 working days) €250 / €750; Expedited document review (up to 2 working days) €500 / €1,000; Monthly fee for Current Account maintenance €50 / €200; Closing a Current Account €100 / €150; Dormant account fee €200 / €200; Incoming SEPA payments (Credit and Instant) €0 / 0.5% (min 5 EUR); Outgoing SEPA Transfer (Credit and Instant) up to €5,000 €1 / 0.5% (min 5 EUR); above €5000 up to €50,000 €5 / 0.5%; over €50,000 €10 / 0.5%; Internal transfer and Transfer within Etapay network €0; Yearly fee for holding funds (if the account balance ≥ €50,000 for Tier 1 or ≥ €30,000 for Tier 2), charged monthly 0.7% per annum.
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features A-Pay leads (5 vs 0)
A-Pay leads (5 vs 0)Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods A-Pay leads (19 vs 3)
A-Pay leads (19 vs 3)Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sepa Instant Unique
✓
—
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions A-Pay leads (6 vs 0)
A-Pay leads (6 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓
Etapay is best when you...
Companies that need a business euro account with SEPA payments for their day-to-day EUR operations.
A-Pay is best when you...
Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Etapay
Need High Risk Accepted
Not available with Etapay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Etapay doesn't cover these regions
Frequently Asked Questions
What is the difference between Etapay and A-Pay?
They share 2 payment methods and 0 regions. Etapay adds SEPA Instant that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Etapay does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Etapay or A-Pay?
Etapay has published rates from Two-tier pricing (Tier 1 / Tier 2): Account opening fee €300 / €750; Document review fee (up to 10 working days) €250 / €750; Expedited document review (up to 2 working days) €500 / €1,000; Monthly fee for Current Account maintenance €50 / €200; Closing a Current Account €100 / €150; Dormant account fee €200 / €200; Incoming SEPA payments (Credit and Instant) €0 / 0.5% (min 5 EUR); Outgoing SEPA Transfer (Credit and Instant) up to €5,000 €1 / 0.5% (min 5 EUR); above €5000 up to €50,000 €5 / 0.5%; over €50,000 €10 / 0.5%; Internal transfer and Transfer within Etapay network €0; Yearly fee for holding funds (if the account balance ≥ €50,000 for Tier 1 or ≥ €30,000 for Tier 2), charged monthly 0.7% per annum.; 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 Etapay and A-Pay?
Etapay lists 0 regions and 3 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 Etapay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Etapay does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.
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