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OnPay

OnPay

Small Business Payroll

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
$40/month + $6/person vs Custom
Features

2 shared

3 unique to A-Pay
Regions

0 shared

1 unique to OnPay · 6 unique to A-Pay
Pay methods

1 shared

1 unique to OnPay · 18 unique to A-Pay
On region

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

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Show full specs
5 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
OnPay OnPay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
$40/month + $6/person
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2007
2021
Headquarters
Atlanta, Georgia
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 2)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Deposit Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

OnPay is best when you...

Small Business Payroll
Want coverage in North America
A-Pay doesn't cover this region
View OnPay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between OnPay and A-Pay?
They share 1 payment method and 0 regions. OnPay adds Direct Deposit that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 15 more that OnPay does not list; OnPay also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, OnPay or A-Pay?
OnPay has published rates from $40/month + $6/person; 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 OnPay and A-Pay?
OnPay lists 1 region and 2 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do OnPay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, OnPay does not list one; A-Pay supports 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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