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LazyPay

LazyPay

Indian Pay-Later Service

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

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

1 shared

5 unique to A-Pay
Pay methods

1 shared

2 unique to LazyPay · 18 unique to A-Pay
On region

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

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Show full specs
6 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
LazyPay LazyPay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
15 business days
1–2 business days
Founded
2017
2021
Headquarters
Mumbai, India
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout 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 Unique
—
✓
Bnpl Unique
✓
—
Credit Card Unique
—
✓
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
✓
✓
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
—
✓

LazyPay is best when you...

Indian Pay-Later Service
Need Instant Payout
Not available with A-Pay
View LazyPay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between LazyPay and A-Pay?
They share 1 payment method and 1 region. LazyPay adds Buy Now Pay Later, Debit Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that LazyPay does not list; A-Pay also covers Africa, Europe and 3 more; only LazyPay offers Instant Payout.
Which is cheaper, LazyPay 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 LazyPay and A-Pay?
LazyPay 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 LazyPay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, LazyPay does not list one; A-Pay supports webhooks; LazyPay settles in 15 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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