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Invoice Cloud

Invoice Cloud

Utility & Government Billing

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

1 shared

1 unique to Invoice Cloud · 4 unique to A-Pay
Regions

0 shared

1 unique to Invoice Cloud · 6 unique to A-Pay
Pay methods

3 shared

2 unique to Invoice Cloud · 16 unique to A-Pay
On region

A-Pay covers 6 regions; Invoice Cloud covers 1. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Invoice Cloud Invoice Cloud
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2009
2021
Headquarters
Braintree, Massachusetts
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Venmo Unique
✓
—
Visa Unique
—
✓
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
—
✓

Invoice Cloud is best when you...

Utility & Government Billing
Need Enterprise
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Invoice Cloud

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Invoice Cloud and A-Pay?
They share 3 payment methods and 0 regions. Invoice Cloud adds Debit Card, Venmo that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 13 more that Invoice Cloud does not list; Invoice Cloud also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Invoice Cloud or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Invoice Cloud and A-Pay?
Invoice Cloud lists 1 region and 5 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 Invoice Cloud and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Invoice Cloud does not list one; both support 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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