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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

14 unique to A-Pay
On region

A-Pay covers 6 regions; NganLuong covers 1. Verify directly with each provider before signing.

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Show full specs
5 features · 18 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 (18 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
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 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?
NganLuong is best for Vietnamese E-Wallet & Gateway, while A-Pay is best for Global Multi-Currency Payment Gateway. NganLuong charges 1-2% and A-Pay charges custom pricing. They differ in supported features, regions, and payment methods.
Which is cheaper, NganLuong or A-Pay?
NganLuong charges 1-2% while A-Pay charges custom pricing. However, the best value depends on your transaction volume, business type, and required features.
Can I use both NganLuong and A-Pay together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. NganLuong and A-Pay can complement each other.
How do NganLuong and A-Pay differ in their focus?
NganLuong is focused on Vietnamese E-Wallet & Gateway, while A-Pay focuses on Global Multi-Currency Payment Gateway. They serve different market segments with different strengths.

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