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Gumroad

Gumroad

Digital Creators

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
10% + $0.5 vs Custom
Features

1 shared

4 unique to A-Pay
Regions

2 shared

1 unique to Gumroad · 4 unique to A-Pay
Pay methods

5 shared

3 unique to Gumroad · 14 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 11 more than Gumroad. 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.
Gumroad Gumroad
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
10% + $0.5
Custom
Settlement
Time to receive funds
7 business days
1–2 business days
Founded
2011
2021
Headquarters
San Francisco, California
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 3)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Gumroad is best when you...

Digital Creators
Want coverage in North America
A-Pay doesn't cover this region
View Gumroad

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Gumroad and A-Pay?
They share 5 payment methods and 2 regions. Gumroad adds Debit Card, Discover, Maestro that A-Pay does not list; A-Pay adds ACH, Alipay, Apple Pay and 11 more that Gumroad does not list; Gumroad also covers North America; A-Pay also covers Africa, Latin America and 2 more.
Which is cheaper, Gumroad or A-Pay?
Gumroad has published rates from 10% + $0.5; 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 Gumroad and A-Pay?
Gumroad lists 3 regions and 8 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Gumroad and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Gumroad does not list one; both support webhooks; Gumroad settles in 7 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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