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Instamojo

Instamojo

Indian Small Business

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2% + INR 3 per transaction vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

1 shared

3 unique to Instamojo · 17 unique to A-Pay

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Show full specs
5 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
Instamojo Instamojo
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2% + INR 3 per transaction
Custom
Settlement
Time to receive funds
3 business days
1–2 business days
Founded
2012
2021
Headquarters
Bangalore, India
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 (18 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi
✓
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Instamojo is best when you...

Indian Small Business
View Instamojo

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Instamojo and A-Pay?
Instamojo is best for Indian Small Business, while A-Pay is best for Global Multi-Currency Payment Gateway. Instamojo charges 2% + INR 3 per transaction and A-Pay charges custom pricing. They differ in supported features, regions, and payment methods.
Which is cheaper, Instamojo or A-Pay?
Instamojo charges 2% + INR 3 per transaction while A-Pay charges custom pricing. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Instamojo and A-Pay together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Instamojo and A-Pay can complement each other.
How do Instamojo and A-Pay differ in their focus?
Instamojo is focused on Indian Small Business, while A-Pay focuses on Global Multi-Currency Payment Gateway. They serve different market segments with different strengths.

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