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Finix

Finix

Platforms & Direct Acquirer

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Interchange+ pricing vs Custom
Features

3 shared

2 unique to Finix · 2 unique to A-Pay
Regions

0 shared

1 unique to Finix · 6 unique to A-Pay
Pay methods

6 shared

3 unique to Finix · 13 unique to A-Pay

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Show full specs
7 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Finix Finix
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Interchange+ pricing
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2015
2021
Headquarters
San Francisco, California
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox
✓
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 9)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money 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
—
✓

Finix is best when you...

Platforms & Direct Acquirer
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Finix

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Finix and A-Pay?
They share 6 payment methods and 0 regions. Finix adds Diners Club, Discover, JCB that A-Pay does not list; A-Pay adds Alipay, Bank Transfer, Credit Card and 10 more that Finix does not list; Finix also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Finix or A-Pay?
Finix has published rates from Interchange+ pricing; 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 Finix and A-Pay?
Finix lists 1 region and 9 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 Finix and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Finix settles in 1–2 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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