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FreshBooks Payments

FreshBooks Payments

Freelancer Invoice Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL vs Custom
Features

2 shared

3 unique to A-Pay
Regions

0 shared

1 unique to FreshBooks Payments · 6 unique to A-Pay
Pay methods

7 shared

3 unique to FreshBooks Payments · 12 unique to A-Pay
On region

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

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Show full specs
5 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
FreshBooks Payments FreshBooks Payments
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2003
2021
Headquarters
Toronto, Canada
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 10)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Discover Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
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
—
✓

FreshBooks Payments is best when you...

Freelancer Invoice Payments
Want coverage in North America
A-Pay doesn't cover this region
View FreshBooks Payments

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between FreshBooks Payments and A-Pay?
They share 7 payment methods and 0 regions. FreshBooks Payments adds Affirm, Afterpay, Discover that A-Pay does not list; A-Pay adds Alipay, Apple Pay, Crypto and 9 more that FreshBooks Payments does not list; FreshBooks Payments also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, FreshBooks Payments or A-Pay?
FreshBooks Payments has published rates from 2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL; 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 FreshBooks Payments and A-Pay?
FreshBooks Payments lists 1 region and 10 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 FreshBooks Payments and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, FreshBooks Payments does not list one; both support webhooks; A-Pay publishes a settlement time of 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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