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Modern Treasury

Modern Treasury

Enterprise Payment Operations

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

2 unique to Modern Treasury · 5 unique to A-Pay
Regions

0 shared

1 unique to Modern Treasury · 6 unique to A-Pay
Pay methods

2 shared

1 unique to Modern Treasury · 17 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 16 more than Modern Treasury. 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.
Modern Treasury Modern Treasury
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2018
2021
Headquarters
San Francisco, California
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 3)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Check Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
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
—
✓

Modern Treasury is best when you...

Enterprise Payment Operations
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 Modern Treasury

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Modern Treasury and A-Pay?
They share 2 payment methods and 0 regions. Modern Treasury adds Check that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 14 more that Modern Treasury does not list; Modern Treasury also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Modern Treasury 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 Modern Treasury and A-Pay?
Modern Treasury lists 1 region 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 Modern Treasury and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Modern Treasury settles in Same 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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