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Payactiv

Payactiv

Earned Wage Access

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
$5 per transfer or employer-sponsored vs Custom
Features

0 shared

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

0 shared

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

2 shared

1 unique to Payactiv · 17 unique to A-Pay
On region

A-Pay covers 6 regions; Payactiv covers 1. Verify directly with each provider before signing.

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Show full specs
6 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Payactiv Payactiv
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
$5 per transfer or employer-sponsored
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2012
2021
Headquarters
Annapolis, Maryland
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 3)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Direct Deposit 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
—
✓

Payactiv is best when you...

Earned Wage Access
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Payactiv

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Payactiv and A-Pay?
They share 2 payment methods and 0 regions. Payactiv adds Direct Deposit that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 14 more that Payactiv does not list; Payactiv also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Payactiv or A-Pay?
Payactiv has published rates from $5 per transfer or employer-sponsored; 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 Payactiv and A-Pay?
Payactiv lists 1 region and 3 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 Payactiv and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Payactiv does not list one; A-Pay supports webhooks; Payactiv settles in Instant, 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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