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Fiserv

Fiserv

Financial institutions

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

1 shared

1 unique to Fiserv · 4 unique to A-Pay
Regions

5 shared

2 unique to Fiserv · 1 unique to A-Pay
Pay methods

10 shared

7 unique to Fiserv · 9 unique to A-Pay

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6 features · 26 payment methods · 8 regions. We don't rank these — they're here for reference.
Fiserv Fiserv
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
1984
2021
Headquarters
Milwaukee, Wisconsin, United States
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 17)
Ach Unique
—
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Blik Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Twint Unique
✓
—
Unionpay Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Fiserv leads (7 vs 6)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Fiserv is best when you...

Financial institutions
Need Enterprise
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Fiserv

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Fiserv
Need High Risk Accepted
Not available with Fiserv
Want coverage in Southeast Asia
Fiserv doesn't cover this region
View A-Pay

Frequently Asked Questions

What is the difference between Fiserv and A-Pay?
They share 10 payment methods and 5 regions. Fiserv adds Bancontact, BLIK, Diners Club and 4 more that A-Pay does not list; A-Pay adds ACH, Credit Card, Crypto and 6 more that Fiserv does not list; Fiserv also covers North America, Oceania; A-Pay also covers Southeast Asia.
Which is cheaper, Fiserv 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 Fiserv and A-Pay?
Fiserv lists 7 regions and 17 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Fiserv and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Fiserv settles in 1–2 business days, A-Pay in 1–2 business days.

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