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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

8 shared

8 unique to Flutterwave · 11 unique to A-Pay
On region

A-Pay covers 6 regions; Flutterwave covers 1. Verify directly with each provider before signing.

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Show full specs
7 features · 27 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 (19 vs 16)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
M Pesa Unique
✓
—
Mastercard
✓
✓
Mobile Money
✓
✓
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Pos 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?
They share 8 payment methods and 1 region. Flutterwave adds Debit Card, M-Pesa, Payment Link and 5 more that A-Pay does not list; A-Pay adds ACH, Alipay, Crypto and 8 more that Flutterwave does not list; A-Pay also covers Asia, Europe and 3 more; only Flutterwave offers Enterprise, Instant Payout.
Which is cheaper, Flutterwave or A-Pay?
Flutterwave has published rates from 1.4% (local), 3.8% (international); 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 Flutterwave and A-Pay?
Flutterwave lists 1 region and 16 payment methods; A-Pay lists 6 and 19. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Flutterwave and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Flutterwave settles in Next business day, 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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