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JCB

JCB

Japanese customers

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.95-3.5% vs Custom
Features

0 shared

1 unique to JCB · 5 unique to A-Pay
Regions

2 shared

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

5 shared

5 unique to JCB · 14 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 9 more than JCB. Verify directly with each provider before signing.

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6 features · 24 payment methods · 7 regions. We don't rank these — they're here for reference.
JCB JCB
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.95-3.5%
Custom
Settlement
Time to receive funds
2–3 business days
1–2 business days
Founded
1961
2021
Headquarters
Tokyo, Japan
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 10)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Mobile Payment Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Unionpay Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 3)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

JCB is best when you...

Japanese customers
Need Enterprise
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View JCB

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between JCB and A-Pay?
They share 5 payment methods and 2 regions. JCB adds Contactless, Diners Club, JCB and 2 more that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that JCB does not list; JCB also covers North America; A-Pay also covers Africa, Latin America and 2 more.
Which is cheaper, JCB or A-Pay?
JCB has published rates from 2.95-3.5%; 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 JCB and A-Pay?
JCB lists 3 regions and 10 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do JCB and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; JCB settles in 2–3 business days, A-Pay in 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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