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Monzo

Monzo

UK Digital Banking

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free personal; business from £5/month vs Custom
Features

2 shared

2 unique to Monzo · 3 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

5 shared

3 unique to Monzo · 14 unique to A-Pay
On settlement

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

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Show full specs
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Monzo Monzo
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free personal; business from £5/month
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2015
2021
Headquarters
London, United Kingdom
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 4)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Monzo is best when you...

UK Digital Banking
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View Monzo

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Monzo and A-Pay?
They share 5 payment methods and 1 region. Monzo adds Contactless, Debit Card, Direct Debit that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 11 more that Monzo does not list; A-Pay also covers Africa, Asia and 3 more; only Monzo offers Instant Payout, Low Fees.
Which is cheaper, Monzo or A-Pay?
Monzo has published rates from Free personal; business from £5/month; 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 Monzo and A-Pay?
Monzo lists 1 region and 8 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Monzo and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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