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GoCardless

GoCardless

Recurring payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1%–1.4% + £0.2 vs Custom
Features

1 shared

2 unique to GoCardless · 4 unique to A-Pay
Regions

1 shared

2 unique to GoCardless · 5 unique to A-Pay
Pay methods

3 shared

4 unique to GoCardless · 16 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
7 features · 23 payment methods · 8 regions. We don't rank these — they're here for reference.
GoCardless GoCardless
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1%–1.4% + £0.2
Custom
Settlement
Time to receive funds
2–5 business days
1–2 business days
Founded
2011
2021
Headquarters
London, United Kingdom
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bacs Unique
✓
—
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Debit Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 3)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

GoCardless is best when you...

Recurring payments
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View GoCardless

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between GoCardless and A-Pay?
They share 3 payment methods and 1 region. GoCardless adds Bacs, Direct Debit, Faster Payments and 1 more that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 13 more that GoCardless does not list; GoCardless also covers North America, Oceania; A-Pay also covers Africa, Asia and 3 more.
Which is cheaper, GoCardless or A-Pay?
GoCardless has published rates from 1%–1.4% + £0.2; 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 GoCardless and A-Pay?
GoCardless lists 3 regions and 7 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do GoCardless and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; GoCardless settles in 2–5 business days, 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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