Octopus Card

Octopus Card

Hong Kong Contactless Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From 1.5% for merchants vs Custom
Features

0 shared

1 unique to Octopus Card · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

2 shared

3 unique to Octopus Card · 17 unique to A-Pay
On region

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

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Show full specs
6 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Octopus Card Octopus Card
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From 1.5% for merchants
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
1997
2021
Headquarters
Hong Kong
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Samsung Pay Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Octopus Card is best when you...

Hong Kong Contactless Payments
Need Low Fees
Not available with A-Pay
View Octopus Card

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Octopus Card and A-Pay?
They share 2 payment methods and 1 region. Octopus Card adds Contactless, Mobile Wallet, Samsung Pay that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Octopus Card does not list; A-Pay also covers Africa, Europe and 3 more; only Octopus Card offers Low Fees.
Which is cheaper, Octopus Card or A-Pay?
Octopus Card has published rates from From 1.5% for merchants; 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 Octopus Card and A-Pay?
Octopus Card lists 1 region and 5 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Octopus Card and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Octopus Card does not list one; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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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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