Lusopay
Portuguese businesses (online stores, retail, hospitality, services, education and similar) that need to accept local methods such as MB WAY, Multibanco and Payshop alongside cards and PIX, online or via POS terminal.
VS
A-Pay
Global Multi-Currency Payment Gateway
Fees from
Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€. vs Custom
Features
0 shared
5 unique to A-Pay
Regions
0 shared
6 unique to A-Pay
Pay methods
5 shared
4 unique to Lusopay · 14 unique to A-Pay
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Show full specs 5 features · 23 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
5 features · 23 payment methods · 6 regions. We
don't rank these — they're here for reference.
Lusopay A-PayQuick Facts
Fees
Standard transaction rate
Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€.
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features A-Pay leads (5 vs 0)
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 9)
A-Pay leads (19 vs 9)Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Debit Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Money Unique
—
✓
Multibanco Unique
✓
—
Paypal Unique
—
✓
Pix
✓
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions A-Pay leads (6 vs 0)
A-Pay leads (6 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓
Lusopay is best when you...
Portuguese businesses (online stores, retail, hospitality, services, education and similar) that need to accept local methods such as MB WAY, Multibanco and Payshop alongside cards and PIX, online or via POS terminal.
A-Pay is best when you...
Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Lusopay
Need High Risk Accepted
Not available with Lusopay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Lusopay doesn't cover these regions
Frequently Asked Questions
What is the difference between Lusopay and A-Pay?
They share 5 payment methods and 0 regions. Lusopay adds Direct Debit, Maestro, MB WAY and 1 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 11 more that Lusopay does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Lusopay or A-Pay?
Lusopay has published rates from Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€.; 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 Lusopay and A-Pay?
Lusopay lists 0 regions and 9 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 Lusopay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Lusopay does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.
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