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Hubtel

Hubtel

Ghanaian Commerce Platform

VS

Alipay

Chinese Consumers

Alipay
Fees from
1.95% per transaction for merchants (fees vary by payment method) vs Custom
Features

0 shared

1 unique to Hubtel · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

0 shared

5 unique to Hubtel · 7 unique to Alipay
On settlement

Hubtel settles in Next business day; Alipay settles in Next business day. Verify directly with each provider before signing.

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Show full specs
3 features · 12 payment methods · 8 regions. We don't rank these — they're here for reference.
Hubtel Hubtel
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
1.95% per transaction for merchants (fees vary by payment method)
Custom
Settlement
Time to receive funds
Next business day
Next business day
Founded
2005
2004
Headquarters
Accra, Ghana
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Alipay leads (7 vs 5)
Alipay Unique
—
✓
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Pos Unique
✓
—
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Hubtel is best when you...

Ghanaian Commerce Platform
Need Startup Friendly
Not available with Alipay
View Hubtel

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Hubtel
Need Instant Payout
Not available with Hubtel
Want coverage in Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Hubtel doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Hubtel and Alipay?
They share 0 payment methods and 1 region. Hubtel adds Bank Transfer, Credit Card, Debit Card and 2 more that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 4 more that Hubtel does not list; Alipay also covers Asia, Europe and 5 more; only Hubtel offers Startup Friendly.
Which is cheaper, Hubtel or Alipay?
Hubtel has published rates from 1.95% per transaction for merchants (fees vary by payment method); Alipay 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 Hubtel and Alipay?
Hubtel lists 1 region and 5 payment methods; Alipay lists 8 and 7. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Hubtel and Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Hubtel settles in Next business day, Alipay in Next business day.

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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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