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Laybuy

Laybuy

ANZ Buy Now Pay Later

VS

Alipay

Chinese Consumers

Alipay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Laybuy · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

2 shared

5 unique to Alipay

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3 features · 7 payment methods · 8 regions. We don't rank these — they're here for reference.
Laybuy Laybuy
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
Next business day
Founded
2017
2004
Headquarters
New Zealand
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
—
✓
Features
Alipay leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Alipay leads (7 vs 2)
Alipay Unique
—
✓
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard
✓
✓
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

Laybuy is best when you...

ANZ Buy Now Pay Later
Need Startup Friendly
Not available with Alipay
View Laybuy

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Laybuy
Need Instant Payout
Not available with Laybuy
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Southeast Asia
Laybuy doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Laybuy and Alipay?
They share 2 payment methods and 1 region. Alipay adds Alipay, Digital Wallet, JCB and 2 more that Laybuy does not list; Alipay also covers Africa, Asia and 5 more; only Laybuy offers Startup Friendly; only Alipay offers Enterprise, Instant Payout.
Which is cheaper, Laybuy or Alipay?
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 Laybuy and Alipay?
Laybuy lists 1 region and 2 payment methods; Alipay lists 8 and 7. both cover Oceania. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Laybuy and Alipay compare on integration and settlement?
both offer a sandbox; Alipay supports webhooks; Alipay publishes a settlement time of Next business day.

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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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