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Niobi

Niobi

African payments infrastructure for collections, payouts, and financial operations

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

3 shared

7 unique to Niobi · 2 unique to A-Pay
Regions

1 shared

1 unique to Niobi · 5 unique to A-Pay
Pay methods

0 shared

7 unique to Niobi · 19 unique to A-Pay

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Show full specs
12 features · 26 payment methods · 7 regions. We don't rank these — they're here for reference.
Niobi Niobi
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2023
2021
Headquarters
Nairobi, Kenya
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Niobi leads (10 vs 5)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Marketplace Support Unique
✓
—
Mobile Payments Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Virtual Items Unique
✓
—
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Eft Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
M Pesa Unique
✓
—
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Stablecoin Unique
✓
—
Swift Unique
✓
—
Upi Unique
—
✓
Usdc Unique
✓
—
Usdt Unique
✓
—
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Global Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in Global
A-Pay doesn't cover this region
View Niobi

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Niobi and A-Pay?
They share 0 payment methods and 1 region. Niobi adds EFT, M-Pesa, Mobile Wallet and 4 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 16 more that Niobi does not list; Niobi also covers Global; A-Pay also covers Asia, Europe and 3 more.
Which is cheaper, Niobi or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Niobi and A-Pay?
Niobi lists 2 regions and 7 payment methods; A-Pay lists 6 and 19. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Niobi 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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