Payabl

Payabl

European Merchant Services & Card Issuing

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Per-transaction vs Custom
Features

0 shared

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

1 shared

5 unique to A-Pay
Pay methods

13 shared

14 unique to Payabl · 6 unique to A-Pay
On settlement

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

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Show full specs
6 features · 33 payment methods · 6 regions. We don't rank these — they're here for reference.
Payabl Payabl
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Per-transaction
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2018
2021
Headquarters
Limassol, Cyprus
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
Payabl leads (27 vs 19)
Ach Unique
—
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Blik Unique
✓
—
Boleto Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Direct Debit Unique
✓
—
Eps Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Money Unique
—
✓
Multibanco Unique
✓
—
Open Banking Unique
✓
—
Paypal
✓
✓
Pix
✓
✓
Pos Unique
✓
—
Przelewy24 Unique
✓
—
Pse Unique
✓
—
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Sofort Unique
—
✓
Trustly Unique
✓
—
Twint Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay
✓
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Payabl is best when you...

European Merchant Services & Card Issuing
Need Enterprise
Not available with A-Pay
View Payabl

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Payabl and A-Pay?
They share 13 payment methods and 1 region. Payabl adds Bancontact, BLIK, Boleto and 11 more that A-Pay does not list; A-Pay adds ACH, Crypto, Klarna and 3 more that Payabl does not list; A-Pay also covers Africa, Asia and 3 more; only Payabl offers Enterprise.
Which is cheaper, Payabl or A-Pay?
Payabl has published rates from Per-transaction; 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 Payabl and A-Pay?
Payabl lists 1 region and 27 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payabl and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; A-Pay publishes a settlement time of 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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