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InstaReM

InstaReM

APAC Cross-Border Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
— vs Custom
Features

0 shared

2 unique to InstaReM · 5 unique to A-Pay
Regions

2 shared

1 unique to InstaReM · 4 unique to A-Pay
Pay methods

2 shared

2 unique to InstaReM · 17 unique to A-Pay
On licensing

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Show full specs
7 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
InstaReM InstaReM
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
—
Custom
Settlement
Time to receive funds
Instant to 2 business days
1–2 business days
Founded
2014
2021
Headquarters
Singapore
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Wire Transfer Unique
✓
—
Regions
A-Pay leads (6 vs 3)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Oceania Unique
✓
—
Southeast Asia
✓
✓

InstaReM is best when you...

APAC Cross-Border Payments
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
Want coverage in Oceania
A-Pay doesn't cover this region
View InstaReM

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between InstaReM and A-Pay?
They share 2 payment methods and 2 regions. InstaReM adds Debit Card, Wire Transfer that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that InstaReM does not list; InstaReM also covers Oceania; A-Pay also covers Africa, Europe and 2 more.
Which is cheaper, InstaReM or A-Pay?
InstaReM has no published rate; 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 InstaReM and A-Pay?
InstaReM lists 3 regions and 4 payment methods; A-Pay lists 6 and 19. both cover Asia, Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do InstaReM and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, InstaReM does not list one; both support webhooks; InstaReM settles in Instant to 2 business days, A-Pay in 1–2 business days.

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