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Fena

Fena

UK businesses that want to accept open banking pay-by-bank payments online, in person, via invoices or payment links as a lower-cost alternative to cards.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
from £4.99 + VAT / month, unlimited transactions vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

1 shared

3 unique to Fena · 18 unique to A-Pay
On fees

Fena publishes from £4.99 + VAT / month, unlimited transactions from. A-Pay uses custom pricing, quoted on engagement. 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.
Fena Fena
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
from £4.99 + VAT / month, unlimited transactions
Custom
Settlement
Time to receive funds
Receive payments directly into your bank account within seconds
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
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 4)
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
—
✓
Open Banking Unique
✓
—
Payment Link 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 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Fena is best when you...

UK businesses that want to accept open banking pay-by-bank payments online, in person, via invoices or payment links as a lower-cost alternative to cards.
View Fena

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Fena and A-Pay?
They share 1 payment method and 0 regions. Fena adds Open Banking, Payment Link, QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Fena 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, Fena or A-Pay?
Fena has published rates from from £4.99 + VAT / month, unlimited transactions; 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 Fena and A-Pay?
Fena lists 0 regions and 4 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 Fena and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Fena does not list one; A-Pay supports webhooks; Fena settles in Receive payments directly into your bank account within seconds, 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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