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Headnote

Headnote

Law Firm Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.9% for eCheck (1-day settlement); 2.9% for credit card vs Custom
Features

1 shared

4 unique to A-Pay
Regions

0 shared

1 unique to Headnote · 6 unique to A-Pay
Pay methods

4 shared

2 unique to Headnote · 15 unique to A-Pay
On region

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

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Show full specs
5 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Headnote Headnote
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.9% for eCheck (1-day settlement); 2.9% for credit card
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2017
2021
Headquarters
Nashville, Tennessee
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 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Discover Unique
✓
—
Echeck 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 Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Headnote is best when you...

Law Firm Payments
Want coverage in North America
A-Pay doesn't cover this region
View Headnote

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Headnote and A-Pay?
They share 4 payment methods and 0 regions. Headnote adds Discover, eCheck that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 12 more that Headnote does not list; Headnote also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Headnote or A-Pay?
Headnote has published rates from 1.9% for eCheck (1-day settlement); 2.9% for credit card; 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 Headnote and A-Pay?
Headnote lists 1 region and 6 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 Headnote and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Headnote does not list one; both support webhooks; Headnote settles in Next business day, 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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