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Heartland Payment Systems

Heartland Payment Systems

SMB Payment Processing

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Interchange-plus pricing vs Custom
Features

0 shared

1 unique to Heartland Payment Systems · 5 unique to A-Pay
Regions

0 shared

1 unique to Heartland Payment Systems · 6 unique to A-Pay
Pay methods

4 shared

4 unique to Heartland Payment Systems · 15 unique to A-Pay

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6 features · 23 payment methods · 7 regions. We don't rank these — they're here for reference.
Heartland Payment Systems Heartland Payment Systems
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Interchange-plus pricing
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2001
2021
Headquarters
Oklahoma City, Oklahoma
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 8)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Gift Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
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
—
✓

Heartland Payment Systems is best when you...

SMB Payment Processing
Need Low Fees
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Heartland Payment Systems

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Heartland Payment Systems and A-Pay?
They share 4 payment methods and 0 regions. Heartland Payment Systems adds Contactless, Debit Card, Gift Card and 1 more that A-Pay does not list; A-Pay adds Alipay, Amex, Bank Transfer and 12 more that Heartland Payment Systems does not list; Heartland Payment Systems also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Heartland Payment Systems or A-Pay?
Heartland Payment Systems has published rates from Interchange-plus pricing; 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 Heartland Payment Systems and A-Pay?
Heartland Payment Systems lists 1 region and 8 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 Heartland Payment Systems and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Heartland Payment Systems settles in Same day, A-Pay in 1–2 business days.

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