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Orum

Orum

Instant Money Movement APIs

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

2 unique to Orum · 5 unique to A-Pay
Regions

0 shared

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

2 shared

3 unique to Orum · 17 unique to A-Pay

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7 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Orum Orum
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2019
2021
Headquarters
New York, New York
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Fednow Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Wire Transfer 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
—
✓

Orum is best when you...

Instant Money Movement APIs
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Orum

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Orum and A-Pay?
They share 2 payment methods and 0 regions. Orum adds FedNow, Real-Time Payments, Wire Transfer that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 14 more that Orum does not list; Orum also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Orum 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 Orum and A-Pay?
Orum lists 1 region and 5 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 Orum and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Orum settles in Same day, A-Pay in 1–2 business days.

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