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Mastercard Send

Mastercard Send

Real-Time Disbursements to Mastercards

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Per-transaction vs Custom
Features

0 shared

2 unique to Mastercard Send · 5 unique to A-Pay
Regions

4 shared

1 unique to Mastercard Send · 2 unique to A-Pay
Pay methods

8 shared

1 unique to Mastercard Send · 11 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 10 more than Mastercard Send. Verify directly with each provider before signing.

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Show full specs
7 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Mastercard Send Mastercard Send
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Per-transaction
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2016
2021
Headquarters
Purchase, New York
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 9)
Ach Unique
—
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Samsung Pay Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay
✓
✓
Regions
A-Pay leads (6 vs 5)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East
✓
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Mastercard Send is best when you...

Real-Time Disbursements to Mastercards
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Mastercard Send

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Mastercard Send
Need High Risk Accepted
Not available with Mastercard Send
Want coverage in Latin America, Southeast Asia
Mastercard Send doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Mastercard Send and A-Pay?
They share 8 payment methods and 4 regions. Mastercard Send adds Samsung Pay that A-Pay does not list; A-Pay adds ACH, Credit Card, Crypto and 8 more that Mastercard Send does not list; Mastercard Send also covers North America; A-Pay also covers Latin America, Southeast Asia.
Which is cheaper, Mastercard Send or A-Pay?
Mastercard Send has published rates from Per-transaction; 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 Mastercard Send and A-Pay?
Mastercard Send lists 5 regions and 9 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 Mastercard Send and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Mastercard Send does not list one; both support webhooks; Mastercard Send settles in Instant, A-Pay in 1–2 business days.

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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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