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Paidy

Paidy

BNPL Japan

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.5-3.5% vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

0 shared

2 unique to Paidy · 19 unique to A-Pay
On fees

Paidy publishes 2.5-3.5% from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
5 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
Paidy Paidy
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.5-3.5%
Custom
Settlement
Time to receive funds
30 business days
1–2 business days
Founded
2014
2021
Headquarters
Tokyo, Japan
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 2)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Installments 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
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Paidy is best when you...

BNPL Japan
View Paidy

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Paidy and A-Pay?
They share 0 payment methods and 1 region. Paidy adds Buy Now Pay Later, Installments that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 16 more that Paidy does not list; A-Pay also covers Africa, Europe and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 2 more.
Which is cheaper, Paidy or A-Pay?
Paidy has published rates from 2.5-3.5%; 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 Paidy and A-Pay?
Paidy lists 1 region and 2 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Paidy and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Paidy settles in 30 business days, A-Pay in 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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