ifthenpay
Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.
VS
A-Pay
Global Multi-Currency Payment Gateway
Fees from
Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies. vs Custom
Features
0 shared
5 unique to A-Pay
Regions
0 shared
6 unique to A-Pay
Pay methods
5 shared
3 unique to ifthenpay · 14 unique to A-Pay
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Show full specs 5 features · 22 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
5 features · 22 payment methods · 6 regions. We
don't rank these — they're here for reference.
ifthenpay A-PayQuick Facts
Fees
Standard transaction rate
Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.
Custom
Settlement
Time to receive funds
Receive the paid amounts daily, minus commissions
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features A-Pay leads (5 vs 0)
A-Pay leads (5 vs 0)Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods A-Pay leads (19 vs 8)
A-Pay leads (19 vs 8)Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Debit Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Money Unique
—
✓
Multibanco Unique
✓
—
Paypal Unique
—
✓
Pix
✓
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions A-Pay leads (6 vs 0)
A-Pay leads (6 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓
ifthenpay is best when you...
Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.
A-Pay is best when you...
Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with ifthenpay
Need High Risk Accepted
Not available with ifthenpay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
ifthenpay doesn't cover these regions
Frequently Asked Questions
What is the difference between ifthenpay and A-Pay?
They share 5 payment methods and 0 regions. ifthenpay adds Direct Debit, MB WAY, Multibanco that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 11 more that ifthenpay does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, ifthenpay or A-Pay?
ifthenpay has published rates from Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.; 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 ifthenpay and A-Pay?
ifthenpay lists 0 regions 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 ifthenpay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, ifthenpay does not list one; A-Pay supports webhooks; ifthenpay settles in Receive the paid amounts daily, minus commissions, A-Pay in 1–2 business days.
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