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Flutterwave

Flutterwave

Pan-African Payments

VS

Alipay

Chinese Consumers

Alipay
Fees from
1.4% (local), 3.8% (international) vs Custom
Features

2 shared

2 unique to Flutterwave
Regions

1 shared

7 unique to Alipay
Pay methods

3 shared

13 unique to Flutterwave · 4 unique to Alipay

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Show full specs
4 features · 20 payment methods · 8 regions. We don't rank these — they're here for reference.
Flutterwave Flutterwave
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
1.4% (local), 3.8% (international)
Custom
Settlement
Time to receive funds
Next business day
Next business day
Founded
2016
2004
Headquarters
San Francisco, California / Lagos, Nigeria
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Flutterwave leads (4 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Flutterwave leads (16 vs 7)
Alipay Unique
—
✓
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Google Pay Unique
✓
—
Jcb Unique
—
✓
M Pesa Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
✓
—
Payment Link Unique
✓
—
Pos Unique
✓
—
Qr Code
✓
✓
Unionpay Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Flutterwave is best when you...

Pan-African Payments
Need Instant Sandbox
Not available with Alipay
Need Startup Friendly
Not available with Alipay
View Flutterwave

Alipay is best when you...

Chinese Consumers
Want coverage in Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Flutterwave doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Flutterwave and Alipay?
They share 3 payment methods and 1 region. Flutterwave adds Amex, Apple Pay, Bank Transfer and 10 more that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 1 more that Flutterwave does not list; Alipay also covers Asia, Europe and 5 more; only Flutterwave offers Instant Sandbox, Startup Friendly.
Which is cheaper, Flutterwave or Alipay?
Flutterwave has published rates from 1.4% (local), 3.8% (international); Alipay 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 Alipay?
Flutterwave lists 1 region and 16 payment methods; Alipay lists 8 and 7. 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 Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Flutterwave settles in Next business day, Alipay in Next business day.

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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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