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Nubank

Nubank

Latin American Neobank

VS

Alipay

Chinese Consumers

Alipay
Fees from
0% for Pix, 0.89% for debit, 3.09% for credit vs Custom
Features

0 shared

2 unique to Nubank · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

0 shared

3 unique to Nubank · 7 unique to Alipay
On fees

Nubank publishes 0% for Pix, 0.89% for debit, 3.09% for credit from. Alipay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
4 features · 10 payment methods · 8 regions. We don't rank these — they're here for reference.
Nubank Nubank
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
0% for Pix, 0.89% for debit, 3.09% for credit
Custom
Settlement
Time to receive funds
Same day
Next business day
Founded
2013
2004
Headquarters
São Paulo, Brazil
Hangzhou, China
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Alipay leads (7 vs 3)
Alipay Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Pix Unique
✓
—
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Nubank is best when you...

Latin American Neobank
Need Low Fees
Not available with Alipay
Need Startup Friendly
Not available with Alipay
View Nubank

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Nubank
Need Instant Payout
Not available with Nubank
Want coverage in Africa, Asia, Europe, Middle East, North America, Oceania, Southeast Asia
Nubank doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Nubank and Alipay?
They share 0 payment methods and 1 region. Nubank adds Credit Card, Debit Card, PIX that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 4 more that Nubank does not list; Alipay also covers Africa, Asia and 5 more; only Nubank offers Low Fees, Startup Friendly.
Which is cheaper, Nubank or Alipay?
Nubank has published rates from 0% for Pix, 0.89% for debit, 3.09% for credit; Alipay 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 Nubank and Alipay?
Nubank lists 1 region and 3 payment methods; Alipay lists 8 and 7. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Nubank and Alipay compare on integration and settlement?
Alipay offers a sandbox, Nubank does not list one; both support webhooks; Nubank settles in Same day, Alipay in Next business day.

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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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