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OPAY

OPAY

Price-conscious Baltic e-commerce businesses

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
0.4-1.2% for bank transfers; 2.1% for cards vs Custom
Features

0 shared

5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

3 shared

16 unique to A-Pay
On region

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

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Show full specs
5 features · 19 payment methods · 6 regions. We don't rank these — they're here for reference.
OPAY OPAY
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
0.4-1.2% for bank transfers; 2.1% for cards
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2012
2021
Headquarters
Vilnius, Lithuania
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

OPAY is best when you...

Price-conscious Baltic e-commerce businesses
View OPAY

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between OPAY and A-Pay?
They share 3 payment methods and 1 region. A-Pay adds ACH, Alipay, Amex and 13 more that OPAY does not list; A-Pay also covers Africa, Asia and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, OPAY or A-Pay?
OPAY has published rates from 0.4-1.2% for bank transfers; 2.1% for cards; 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 OPAY and A-Pay?
OPAY lists 1 region and 3 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do OPAY 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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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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