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Pay.com

Pay.com

Modern Online Payment Gateway

VS

Mastercard Send

Real-Time Disbursements to Mastercards

Mastercard Send
Fees from
2.85%–2.9% + $0.27 vs Per-transaction
Features

0 shared

2 unique to Pay.com · 2 unique to Mastercard Send
Regions

2 shared

3 unique to Mastercard Send
Pay methods

6 shared

2 unique to Pay.com · 3 unique to Mastercard Send
On payment methods

Mastercard Send supports 9 payment methods, 1 more than Pay.com. Verify directly with each provider before signing.

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Show full specs
4 features · 11 payment methods · 5 regions. We don't rank these — they're here for reference.
Pay.com Pay.com
Mastercard Send Mastercard Send
Quick Facts
Fees
Standard transaction rate
2.85%–2.9% + $0.27
Per-transaction
Settlement
Time to receive funds
—
Instant
Founded
2020
2016
Headquarters
Tel Aviv, Israel
Purchase, New York
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Mastercard Send leads (9 vs 8)
Ach Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Google Pay
✓
✓
Mastercard
✓
✓
Paypal Unique
✓
—
Samsung Pay Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Mastercard Send leads (5 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Middle East Unique
—
✓
North America
✓
✓

Pay.com is best when you...

Modern Online Payment Gateway
Need Instant Sandbox
Not available with Mastercard Send
Need Startup Friendly
Not available with Mastercard Send
View Pay.com

Mastercard Send is best when you...

Real-Time Disbursements to Mastercards
Need Enterprise
Not available with Pay.com
Need Instant Payout
Not available with Pay.com
Want coverage in Africa, Asia, Middle East
Pay.com doesn't cover these regions
View Mastercard Send

Frequently Asked Questions

What is the difference between Pay.com and Mastercard Send?
They share 6 payment methods and 2 regions. Pay.com adds ACH, PayPal that Mastercard Send does not list; Mastercard Send adds Alipay, Samsung Pay, WeChat Pay that Pay.com does not list; Mastercard Send also covers Africa, Asia and 1 more; only Pay.com offers Instant Sandbox, Startup Friendly.
Which is cheaper, Pay.com or Mastercard Send?
Pay.com has published rates from 2.85%–2.9% + $0.27; Mastercard Send has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Pay.com and Mastercard Send?
Pay.com lists 2 regions and 8 payment methods; Mastercard Send lists 5 and 9. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pay.com and Mastercard Send compare on integration and settlement?
Pay.com offers a sandbox, Mastercard Send does not list one; both support webhooks; Mastercard Send publishes a settlement time of Instant.

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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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