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Ozow

Ozow

South African EFT

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.5% or R1 minimum vs Custom
Features

0 shared

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

1 shared

5 unique to A-Pay
Pay methods

1 shared

4 unique to Ozow · 18 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
7 features · 23 payment methods · 6 regions. We don't rank these — they're here for reference.
Ozow Ozow
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.5% or R1 minimum
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2014
2021
Headquarters
Cape Town, South Africa
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout 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 Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Eft Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Open Banking Unique
✓
—
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Ozow is best when you...

South African EFT
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View Ozow

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Ozow and A-Pay?
They share 1 payment method and 1 region. Ozow adds EFT, Open Banking, Payment Link and 1 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Ozow does not list; A-Pay also covers Asia, Europe and 3 more; only Ozow offers Instant Payout, Low Fees.
Which is cheaper, Ozow or A-Pay?
Ozow has published rates from 1.5% or R1 minimum; 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 Ozow and A-Pay?
Ozow lists 1 region and 5 payment methods; A-Pay lists 6 and 19. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Ozow and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Ozow settles in Same day, A-Pay in 1–2 business days.

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