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NganLuong

NganLuong

Vietnamese E-Wallet & Gateway

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1-2% vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

4 shared

2 unique to NganLuong · 15 unique to A-Pay
On licensing

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

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Show full specs
5 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
NganLuong NganLuong
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1-2%
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2009
2021
Headquarters
Ho Chi Minh City, Vietnam
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Payment Link 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 Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia
✓
✓

NganLuong is best when you...

Vietnamese E-Wallet & Gateway
View NganLuong

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between NganLuong and A-Pay?
They share 4 payment methods and 1 region. NganLuong adds JCB, Payment Link that A-Pay does not list; A-Pay adds ACH, Alipay, Apple Pay and 12 more that NganLuong does not list; A-Pay also covers Africa, Asia and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 2 more.
Which is cheaper, NganLuong or A-Pay?
NganLuong has published rates from 1-2%; 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 NganLuong and A-Pay?
NganLuong lists 1 region and 6 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 NganLuong and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; NganLuong settles in Next business day, A-Pay in 1–2 business days.

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