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Payflex

Payflex

South African BNPL

VS

Alipay

Chinese Consumers

Alipay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Payflex · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

0 shared

4 unique to Payflex · 7 unique to Alipay

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3 features · 11 payment methods · 8 regions. We don't rank these — they're here for reference.
Payflex Payflex
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
Next business day
Founded
2016
2004
Headquarters
Cape Town, South Africa
Hangzhou, China
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Payment Methods
Alipay leads (7 vs 4)
Alipay Unique
—
✓
Bnpl Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Eft Unique
✓
—
Jcb Unique
—
✓
Mastercard Unique
—
✓
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Payflex is best when you...

South African BNPL
Need Low Fees
Not available with Alipay
View Payflex

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Payflex
Need Instant Payout
Not available with Payflex
Want coverage in Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Payflex doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Payflex and Alipay?
They share 0 payment methods and 1 region. Payflex adds Buy Now Pay Later, Credit Card, Debit Card and 1 more that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 4 more that Payflex does not list; Alipay also covers Asia, Europe and 5 more; only Payflex offers Low Fees.
Which is cheaper, Payflex or Alipay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Payflex and Alipay?
Payflex lists 1 region and 4 payment methods; Alipay lists 8 and 7. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payflex and Alipay compare on integration and settlement?
Alipay offers a sandbox, Payflex does not list one; both support webhooks; Alipay publishes a settlement time of Next business day.

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