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Midtrans

Midtrans

Indonesian E-Commerce

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.9% + IDR 2,500 per transaction vs Custom
Features

3 shared

2 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

6 shared

6 unique to Midtrans · 13 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 7 more than Midtrans. Verify directly with each provider before signing.

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Show full specs
5 features · 25 payment methods · 6 regions. We don't rank these — they're here for reference.
Midtrans Midtrans
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.9% + IDR 2,500 per transaction
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2012
2021
Headquarters
Jakarta, Indonesia
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox
✓
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 12)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Direct Debit Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Virtual Account Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia
✓
✓

Midtrans is best when you...

Indonesian E-Commerce
View Midtrans

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Midtrans and A-Pay?
They share 6 payment methods and 1 region. Midtrans adds Debit Card, Digital Wallet, Direct Debit and 3 more that A-Pay does not list; A-Pay adds ACH, Alipay, Apple Pay and 10 more that Midtrans does not list; A-Pay also covers Africa, Asia and 3 more; only A-Pay offers Crypto Support, High Risk Accepted.
Which is cheaper, Midtrans or A-Pay?
Midtrans has published rates from 2.9% + IDR 2,500 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 Midtrans and A-Pay?
Midtrans lists 1 region and 12 payment methods; A-Pay lists 6 and 19. both cover Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Midtrans and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Midtrans settles in 1–2 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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