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Flutterwave

Flutterwave

Pan-African Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.4% (local), 3.8% (international) vs Custom
Features

2 shared

2 unique to Flutterwave · 3 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

7 shared

7 unique to Flutterwave · 11 unique to A-Pay
On licensing

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Show full specs
7 features · 25 payment methods · 6 regions. We don't rank these — they're here for reference.
Flutterwave Flutterwave
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.4% (local), 3.8% (international)
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2016
2021
Headquarters
San Francisco, California / Lagos, Nigeria
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 4)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox
✓
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (18 vs 14)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
M Pesa Unique
✓
—
Mastercard
✓
✓
Mobile Money
✓
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Flutterwave is best when you...

Pan-African Payments
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
View Flutterwave

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Flutterwave and A-Pay?
Flutterwave is best for Pan-African Payments, while A-Pay is best for Global Multi-Currency Payment Gateway. Flutterwave charges 1.4% (local), 3.8% (international) and A-Pay charges custom pricing. They differ in supported features, regions, and payment methods.
Which is cheaper, Flutterwave or A-Pay?
Flutterwave charges 1.4% (local), 3.8% (international) while A-Pay charges custom pricing. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Flutterwave and A-Pay together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Flutterwave and A-Pay can complement each other.
How do Flutterwave and A-Pay differ in their focus?
Flutterwave is focused on Pan-African Payments, while A-Pay focuses on Global Multi-Currency Payment Gateway. They serve different market segments with different strengths.

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