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JD Pay

JD Pay

E-commerce merchants on JD.com platform

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
0.5-1.5% for platform transactions vs Custom
Features

0 shared

5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

2 shared

1 unique to JD Pay · 17 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
5 features · 20 payment methods · 6 regions. We don't rank these — they're here for reference.
JD Pay JD Pay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
0.5-1.5% for platform transactions
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2012
2021
Headquarters
Beijing, China
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
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 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto 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 Unique
—
✓
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
—
✓

JD Pay is best when you...

E-commerce merchants on JD.com platform
View JD Pay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between JD Pay and A-Pay?
They share 2 payment methods and 1 region. JD Pay adds Digital Wallet that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that JD Pay does not list; A-Pay also covers Africa, Europe and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, JD Pay or A-Pay?
JD Pay has published rates from 0.5-1.5% for platform transactions; 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 JD Pay and A-Pay?
JD Pay lists 1 region and 3 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do JD Pay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, JD Pay does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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