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M

M&S Bank

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

1 shared

18 unique to A-Pay
On licensing

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Show full specs
5 features · 19 payment methods · 6 regions. We don't rank these — they're here for reference.
M&S Bank
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
1985
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
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 1)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix 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
—
✓

M&S Bank is best when you...

View M&S Bank

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between M&S Bank and A-Pay?
They share 1 payment method and 1 region. A-Pay adds ACH, Alipay, Amex and 15 more that M&S Bank does not list; A-Pay also covers Africa, Asia and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, M&S Bank 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 M&S Bank and A-Pay?
M&S Bank lists 1 region and 1 payment method; 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 M&S Bank and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, M&S Bank does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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