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finby

finby

Online merchants selling in Europe and internationally, such as e-commerce, digital goods and subscription businesses, that need card acquiring plus local payment methods.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
— vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

9 shared

14 unique to finby · 10 unique to A-Pay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
5 features · 33 payment methods · 6 regions. We don't rank these — they're here for reference.
finby finby
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
—
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)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
finby leads (23 vs 19)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Blik Unique
✓
—
Cartes Bancaires Unique
✓
—
Click To Pay Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Eps Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Money Unique
—
✓
Mobilepay Unique
✓
—
Multibanco Unique
✓
—
Mybank Unique
✓
—
Paypal
✓
✓
Pix
✓
✓
Qr Code Unique
✓
—
Satispay Unique
✓
—
Sepa Unique
—
✓
Sepa Direct Debit Unique
✓
—
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Voucher Unique
✓
—
Wechat Pay
✓
✓
Wero Unique
✓
—
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

finby is best when you...

Online merchants selling in Europe and internationally, such as e-commerce, digital goods and subscription businesses, that need card acquiring plus local payment methods.
View finby

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between finby and A-Pay?
They share 9 payment methods and 0 regions. finby adds Bancontact, BLIK, Cartes Bancaires and 11 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 7 more that finby 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, finby or A-Pay?
finby has no published rate; 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 finby and A-Pay?
finby lists 0 regions and 23 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 finby and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, finby does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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