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Mo.one

Mo.one

Czech shops, cafés and other in-person merchants that want low-fee account-to-account payments alongside card acceptance.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

2 shared

1 unique to Mo.one · 17 unique to A-Pay
On settlement

Mo.one settles in A direct payment is in your business account within three seconds - it goes from bank to bank through CERTIS at the Czech National Bank. Card payments are credited by standard settlement.; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 20 payment methods · 6 regions. We don't rank these — they're here for reference.
Mo.one Mo.one
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
A direct payment is in your business account within three seconds - it goes from bank to bank through CERTIS at the Czech National Bank. Card payments are credited by standard settlement.
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted 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
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Open Banking Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Mo.one is best when you...

Czech shops, cafés and other in-person merchants that want low-fee account-to-account payments alongside card acceptance.
View Mo.one

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Mo.one and A-Pay?
They share 2 payment methods and 0 regions. Mo.one adds Open Banking that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Mo.one does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Mo.one 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 Mo.one and A-Pay?
Mo.one lists 0 regions and 3 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 Mo.one and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Mo.one does not list one; A-Pay supports webhooks; Mo.one settles in A direct payment is in your business account within three seconds - it goes from bank to bank through CERTIS at the Czech National Bank. Card payments are credited by standard settlement., 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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