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Merpay

Merpay

Japanese Mobile Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Merpay · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

0 shared

3 unique to Merpay · 19 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 16 more than Merpay. Verify directly with each provider before signing.

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Show full specs
6 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Merpay Merpay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
2 business days
1–2 business days
Founded
2017
2021
Headquarters
Tokyo, Japan
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Nfc Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Merpay is best when you...

Japanese Mobile Payments
Need Instant Payout
Not available with A-Pay
View Merpay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Merpay and A-Pay?
They share 0 payment methods and 1 region. Merpay adds Digital Wallet, NFC, QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 16 more that Merpay does not list; A-Pay also covers Africa, Europe and 3 more; only Merpay offers Instant Payout.
Which is cheaper, Merpay 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 Merpay and A-Pay?
Merpay lists 1 region and 3 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Merpay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Merpay does not list one; both support webhooks; Merpay settles in 2 business days, 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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