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PagoNxt (Santander)

PagoNxt (Santander)

Santander Merchant Acquiring

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

1 unique to PagoNxt (Santander) · 5 unique to A-Pay
Regions

2 shared

4 unique to A-Pay
Pay methods

4 shared

15 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
6 features · 19 payment methods · 6 regions. We don't rank these — they're here for reference.
PagoNxt (Santander) PagoNxt (Santander)
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2020
2021
Headquarters
Spain
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 4)
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
✓
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

PagoNxt (Santander) is best when you...

Santander Merchant Acquiring
Need Enterprise
Not available with A-Pay
View PagoNxt (Santander)

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between PagoNxt (Santander) and A-Pay?
They share 4 payment methods and 2 regions. A-Pay adds ACH, Alipay, Amex and 12 more that PagoNxt (Santander) does not list; A-Pay also covers Africa, Asia and 2 more; only PagoNxt (Santander) offers Enterprise; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, PagoNxt (Santander) 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 PagoNxt (Santander) and A-Pay?
PagoNxt (Santander) lists 2 regions and 4 payment methods; A-Pay lists 6 and 19. both cover Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PagoNxt (Santander) and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, PagoNxt (Santander) does not list one; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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