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Payability

Payability

Amazon Seller Financing

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2% of sales for instant access vs Custom
Features

0 shared

1 unique to Payability · 5 unique to A-Pay
Regions

0 shared

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

2 shared

17 unique to A-Pay

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Show full specs
6 features · 19 payment methods · 7 regions. We don't rank these — they're here for reference.
Payability Payability
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2% of sales for instant access
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2015
2021
Headquarters
New York, New York
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 2)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay 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
—
✓

Payability is best when you...

Amazon Seller Financing
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Payability

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Payability and A-Pay?
They share 2 payment methods and 0 regions. A-Pay adds Alipay, Amex, Apple Pay and 14 more that Payability does not list; Payability also covers North America; A-Pay also covers Africa, Asia and 4 more; only Payability offers Instant Payout.
Which is cheaper, Payability or A-Pay?
Payability has published rates from 2% of sales for instant access; 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 Payability and A-Pay?
Payability lists 1 region and 2 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 Payability and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Payability does not list one; A-Pay supports webhooks; Payability settles in Next business day, 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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