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HighRiskPay

HighRiskPay

US High-Risk Merchants

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile) vs Custom
Features

1 shared

4 unique to A-Pay
Regions

0 shared

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

3 shared

16 unique to A-Pay

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Show full specs
5 features · 19 payment methods · 7 regions. We don't rank these — they're here for reference.
HighRiskPay HighRiskPay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile)
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
1997
2021
Headquarters
United States
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
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 Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

HighRiskPay is best when you...

US High-Risk Merchants
Want coverage in North America
A-Pay doesn't cover this region
View HighRiskPay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between HighRiskPay and A-Pay?
They share 3 payment methods and 0 regions. A-Pay adds ACH, Alipay, Apple Pay and 13 more that HighRiskPay does not list; HighRiskPay also covers North America; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, Instant Sandbox and 2 more.
Which is cheaper, HighRiskPay or A-Pay?
HighRiskPay has published rates from 1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile); 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 HighRiskPay and A-Pay?
HighRiskPay lists 1 region and 3 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 HighRiskPay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, HighRiskPay does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 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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