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Kareo

Kareo

Independent Medical Practice Billing

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

2 shared

3 unique to A-Pay
Regions

0 shared

1 unique to Kareo · 6 unique to A-Pay
Pay methods

2 shared

3 unique to Kareo · 17 unique to A-Pay
On settlement

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Show full specs
5 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Kareo Kareo
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2004
2021
Headquarters
Irvine, California
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Check Unique
✓
—
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
—
✓
Virtual Card 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
—
✓

Kareo is best when you...

Independent Medical Practice Billing
Want coverage in North America
A-Pay doesn't cover this region
View Kareo

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Kareo and A-Pay?
They share 2 payment methods and 0 regions. Kareo adds Check, Debit Card, Virtual Card that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 14 more that Kareo does not list; Kareo also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Kareo 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 Kareo and A-Pay?
Kareo 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 Kareo and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Kareo does not list one; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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