M

M&S Bank

VS

Alipay

Chinese Consumers

Alipay
Fees from
Custom vs Custom
Features

0 shared

2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

1 shared

6 unique to Alipay
On fees

M&S Bank uses custom pricing, quoted on engagement. Alipay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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2 features · 7 payment methods · 8 regions. We don't rank these — they're here for reference.
M&S Bank
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
Next business day
Founded
1985
2004
Headquarters
—
Hangzhou, China
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Alipay leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
Alipay leads (7 vs 1)
Alipay Unique
—
✓
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard
✓
✓
Qr Code Unique
—
✓
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
—
✓

M&S Bank is best when you...

Alipay is best when you...

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

Frequently Asked Questions

What is the difference between M&S Bank and Alipay?
They share 1 payment method and 1 region. Alipay adds Alipay, Digital Wallet, JCB and 3 more that M&S Bank does not list; Alipay also covers Africa, Asia and 5 more; only Alipay offers Enterprise, Instant Payout.
Which is cheaper, M&S Bank or Alipay?
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 Alipay?
M&S Bank lists 1 region and 1 payment method; 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 M&S Bank and Alipay compare on integration and settlement?
Alipay offers a sandbox, M&S Bank does not list one; Alipay supports webhooks; Alipay publishes a settlement time of Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing.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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