Menu

Discover

All Providers Compare License Map Use Cases Find Your Provider

Solutions

Connect License Watch MCP Partnership Claim Listing Get Listed Verified Listings Pricing

Resources

Blog About Contact
Log in Join free
Monek

Monek

UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

6 shared

3 unique to Monek · 13 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

Want a personalized shortlist? Get matched
2-minute quiz

Still deciding? Find your perfect match.

Answer a few questions about your business type, volume, and must-have features. We'll recommend the best provider for your specific needs.

Find my match

Free. Takes 2 minutes. No account required.

For developers · MCP

Tired of clicking around? Use our MCP.

Point Claude, ChatGPT, or Cursor at our endpoint. compare_providers returns the same data — in one tool call. Free preview, no API key.

See how it works
Show full specs
5 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Monek Monek
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.
Custom
Settlement
Time to receive funds
Next business day
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 9)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Discover Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Payment Link Unique
✓
—
Paypal
✓
✓
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
—
✓

Monek is best when you...

UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.
View Monek

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Monek and A-Pay?
They share 6 payment methods and 0 regions. Monek adds Discover, JCB, Payment Link that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 10 more that Monek 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, Monek or A-Pay?
Monek has published rates from Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.; 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 Monek and A-Pay?
Monek lists 0 regions and 9 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 Monek and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Monek does not list one; A-Pay supports webhooks; Monek settles in Next business day, A-Pay in 1–2 business days.

Are you Monek or A-Pay?

Claim your profile to update information, respond to comparisons, and access visitor analytics.

Claim this profile
Compare Other Providers

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.

See something wrong? Report inaccurate info →