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Malum Payments

Malum Payments

Card-to-crypto payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
7% + $0.3 vs Custom
Features

4 shared

3 unique to Malum Payments · 1 unique to A-Pay
Regions

4 shared

4 unique to Malum Payments · 2 unique to A-Pay
Pay methods

3 shared

5 unique to Malum Payments · 16 unique to A-Pay
On settlement

Malum Payments settles in Instant to 7 business days; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
8 features · 24 payment methods · 10 regions. We don't rank these — they're here for reference.
Malum Payments Malum Payments
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
7% + $0.3
Custom
Settlement
Time to receive funds
Instant to 7 business days
1–2 business days
Founded
2022
2021
Headquarters
Mahe, Seychelles
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Malum Payments leads (7 vs 5)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bitcoin Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Ethereum Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Litecoin Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Usdc Unique
✓
—
Usdt Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Malum Payments leads (8 vs 6)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Global Unique
✓
—
Latin America Unique
—
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
—
✓

Malum Payments is best when you...

Card-to-crypto payments
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in Global, North America, Oceania, South America
A-Pay doesn't cover these regions
View Malum Payments

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Instant Sandbox
Not available with Malum Payments
Want coverage in Latin America, Southeast Asia
Malum Payments doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Malum Payments and A-Pay?
They share 3 payment methods and 4 regions. Malum Payments adds Bitcoin, Ethereum, Litecoin and 2 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that Malum Payments does not list; Malum Payments also covers Global, North America and 2 more; A-Pay also covers Latin America, Southeast Asia.
Which is cheaper, Malum Payments or A-Pay?
Malum Payments has published rates from 7% + $0.3; 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 Malum Payments and A-Pay?
Malum Payments lists 8 regions and 8 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Malum Payments and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Malum Payments settles in Instant to 7 business days, A-Pay in 1–2 business days.

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