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Lydia

Lydia

French Mobile Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free for P2P, merchant fees apply vs Custom
Features

0 shared

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

1 shared

5 unique to A-Pay
Pay methods

2 shared

2 unique to Lydia · 17 unique to A-Pay
On region

A-Pay covers 6 regions; Lydia 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.
Lydia Lydia
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free for P2P, merchant fees apply
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2013
2021
Headquarters
Paris, France
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 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Lydia is best when you...

French Mobile Payments
Need Instant Payout
Not available with A-Pay
View Lydia

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Lydia and A-Pay?
They share 2 payment methods and 1 region. Lydia adds Debit Card, QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Lydia does not list; A-Pay also covers Africa, Asia and 3 more; only Lydia offers Instant Payout.
Which is cheaper, Lydia or A-Pay?
Lydia has published rates from Free for P2P, merchant fees apply; 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 Lydia and A-Pay?
Lydia lists 1 region and 4 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Lydia and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; A-Pay publishes a settlement time of 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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