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Merchant One

Merchant One

Fast Merchant Approval

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
0.29% - 1.99% per transaction vs Custom
Features

1 shared

4 unique to A-Pay
Regions

0 shared

1 unique to Merchant One · 6 unique to A-Pay
Pay methods

3 shared

2 unique to Merchant One · 16 unique to A-Pay
On settlement

Merchant One settles in Next business day; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Merchant One Merchant One
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
0.29% - 1.99% per transaction
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2002
2021
Headquarters
Miami Beach, Florida
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
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 Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Merchant One is best when you...

Fast Merchant Approval
Want coverage in North America
A-Pay doesn't cover this region
View Merchant One

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Merchant One and A-Pay?
They share 3 payment methods and 0 regions. Merchant One adds Contactless, Debit Card that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 13 more that Merchant One does not list; Merchant One also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Merchant One or A-Pay?
Merchant One has published rates from 0.29% - 1.99% 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 Merchant One and A-Pay?
Merchant One lists 1 region and 5 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Merchant One and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Merchant One does not list one; A-Pay supports webhooks; Merchant One settles in Next business day, 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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