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PaymentCloud

PaymentCloud

High Approval Rates

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
~3-7% vs Custom
Features

2 shared

3 unique to A-Pay
Regions

1 shared

1 unique to PaymentCloud · 5 unique to A-Pay
Pay methods

4 shared

2 unique to PaymentCloud · 15 unique to A-Pay
On settlement

PaymentCloud settles in 1–3 business days; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
PaymentCloud PaymentCloud
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
~3-7%
Custom
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2015
2021
Headquarters
Los Angeles, California
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Discover Unique
✓
—
Echeck Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

PaymentCloud is best when you...

High Approval Rates
Want coverage in North America
A-Pay doesn't cover this region
View PaymentCloud

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between PaymentCloud and A-Pay?
They share 4 payment methods and 1 region. PaymentCloud adds Discover, eCheck that A-Pay does not list; A-Pay adds Alipay, Apple Pay, Bank Transfer and 12 more that PaymentCloud does not list; PaymentCloud also covers North America; A-Pay also covers Africa, Asia and 3 more.
Which is cheaper, PaymentCloud or A-Pay?
PaymentCloud has published rates from ~3-7%; 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 PaymentCloud and A-Pay?
PaymentCloud lists 2 regions and 6 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 PaymentCloud and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; PaymentCloud settles in 1–3 business days, 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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