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NganLuong

NganLuong

Vietnamese E-Wallet & Gateway

VS

AffiniPay (8am)

Professional services

AffiniPay (8am)
Fees from
1-2% vs 2.95% + $0.30
Features

0 shared

1 unique to NganLuong · 2 unique to AffiniPay (8am)
Regions

0 shared

1 unique to NganLuong · 1 unique to AffiniPay (8am)
Pay methods

3 shared

3 unique to NganLuong · 3 unique to AffiniPay (8am)
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
3 features · 9 payment methods · 2 regions. We don't rank these — they're here for reference.
NganLuong NganLuong
AffiniPay (8am) AffiniPay (8am)
Quick Facts
Fees
Standard transaction rate
1-2%
2.95% + $0.30
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2009
2005
Headquarters
Ho Chi Minh City, Vietnam
Austin, Texas, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
AffiniPay (8am) leads (2 vs 1)
Enterprise Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Ach Unique
—
✓
Amex
✓
✓
Bank Transfer Unique
✓
—
Discover Unique
—
✓
Echeck Unique
—
✓
Jcb Unique
✓
—
Mastercard
✓
✓
Payment Link Unique
✓
—
Visa
✓
✓
Regions
North America Unique
—
✓
Southeast Asia Unique
✓
—

NganLuong is best when you...

Vietnamese E-Wallet & Gateway
Need Startup Friendly
Not available with AffiniPay (8am)
Want coverage in Southeast Asia
AffiniPay (8am) doesn't cover this region
View NganLuong

AffiniPay (8am) is best when you...

Professional services
Need Enterprise
Not available with NganLuong
Need Recurring Payments
Not available with NganLuong
Want coverage in North America
NganLuong doesn't cover this region
View AffiniPay (8am)

Frequently Asked Questions

What is the difference between NganLuong and AffiniPay (8am)?
They share 3 payment methods and 0 regions. NganLuong adds Bank Transfer, JCB, Payment Link that AffiniPay (8am) does not list; AffiniPay (8am) adds ACH, Discover, eCheck that NganLuong does not list; NganLuong also covers Southeast Asia; AffiniPay (8am) also covers North America.
Which is cheaper, NganLuong or AffiniPay (8am)?
NganLuong has published rates from 1-2%; AffiniPay (8am) has published rates from 2.95% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use NganLuong and AffiniPay (8am)?
NganLuong lists 1 region and 6 payment methods; AffiniPay (8am) lists 1 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do NganLuong and AffiniPay (8am) compare on integration and settlement?
both offer a sandbox; both support webhooks; NganLuong settles in Next business day, AffiniPay (8am) in 1–2 business days.

Are you NganLuong or AffiniPay (8am)?

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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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