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HBL Pay Pakistan

HBL Pay Pakistan

Pakistani HBL Bank Mobile Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

1 unique to HBL Pay Pakistan · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

2 shared

17 unique to A-Pay
On fees

HBL Pay Pakistan uses custom pricing, quoted on engagement. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
6 features · 19 payment methods · 6 regions. We don't rank these — they're here for reference.
HBL Pay Pakistan HBL Pay Pakistan
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
2 business days
1–2 business days
Founded
2018
2021
Headquarters
Karachi, Pakistan
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 2)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

HBL Pay Pakistan is best when you...

Pakistani HBL Bank Mobile Payments
Need Low Fees
Not available with A-Pay
View HBL Pay Pakistan

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between HBL Pay Pakistan and A-Pay?
They share 2 payment methods and 1 region. A-Pay adds ACH, Alipay, Amex and 14 more that HBL Pay Pakistan does not list; A-Pay also covers Africa, Europe and 3 more; only HBL Pay Pakistan offers Low Fees; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, HBL Pay Pakistan or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use HBL Pay Pakistan and A-Pay?
HBL Pay Pakistan lists 1 region and 2 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do HBL Pay Pakistan and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, HBL Pay Pakistan does not list one; both support webhooks; HBL Pay Pakistan settles in 2 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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