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Lydia

Lydia

French Mobile Payments

VS

Alipay

Chinese Consumers

Alipay
Fees from
Free for P2P, merchant fees apply vs Custom
Features

1 shared

1 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

1 shared

3 unique to Lydia · 6 unique to Alipay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 10 payment methods · 8 regions. We don't rank these — they're here for reference.
Lydia Lydia
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
Free for P2P, merchant fees apply
Custom
Settlement
Time to receive funds
—
Next business day
Founded
2013
2004
Headquarters
Paris, France
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Payment Methods
Alipay leads (7 vs 4)
Alipay Unique
—
✓
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Qr Code
✓
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Lydia is best when you...

French Mobile Payments
View Lydia

Alipay is best when you...

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

Frequently Asked Questions

What is the difference between Lydia and Alipay?
They share 1 payment method and 1 region. Lydia adds Bank Transfer, Credit Card, Debit Card that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 3 more that Lydia does not list; Alipay also covers Africa, Asia and 5 more; only Alipay offers Enterprise.
Which is cheaper, Lydia or Alipay?
Lydia has published rates from Free for P2P, merchant fees apply; Alipay 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 Alipay?
Lydia lists 1 region and 4 payment methods; Alipay lists 8 and 7. 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 Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Alipay publishes a settlement time of Next business day.

Are you Lydia or Alipay?

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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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