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Lyra

Lyra

French e-commerce

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

1 shared

1 unique to Lyra · 4 unique to A-Pay
Regions

3 shared

3 unique to A-Pay
Pay methods

6 shared

4 unique to Lyra · 13 unique to A-Pay
On licensing

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Show full specs
6 features · 23 payment methods · 6 regions. We don't rank these — they're here for reference.
Lyra Lyra
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
2 business days
1–2 business days
Founded
2001
2021
Headquarters
Toulouse, France
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 10)
Ach Unique
—
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Cartes Bancaires Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Debit Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Mobile Payment Unique
✓
—
Paypal
✓
✓
Pix Unique
—
✓
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 3)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Lyra is best when you...

French e-commerce
Need Enterprise
Not available with A-Pay
View Lyra

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Lyra and A-Pay?
They share 6 payment methods and 3 regions. Lyra adds Cartes Bancaires, Direct Debit, Mobile Payment and 1 more that A-Pay does not list; A-Pay adds ACH, Apple Pay, Bank Transfer and 10 more that Lyra does not list; A-Pay also covers Africa, Middle East and 1 more; only Lyra offers Enterprise.
Which is cheaper, Lyra 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 Lyra and A-Pay?
Lyra lists 3 regions and 10 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Lyra and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Lyra settles in 2 business days, A-Pay in 1–2 business days.

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