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PayNow

PayNow

Singapore transfers

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

2 unique to PayNow · 5 unique to A-Pay
Regions

2 shared

4 unique to A-Pay
Pay methods

1 shared

3 unique to PayNow · 18 unique to A-Pay
On licensing

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Show full specs
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
PayNow PayNow
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2017
2021
Headquarters
Singapore
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paynow Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Real Time Payments Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia
✓
✓

PayNow is best when you...

Singapore transfers
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View PayNow

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between PayNow and A-Pay?
They share 1 payment method and 2 regions. PayNow adds PayNow, QR Code, Real-Time Payments that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that PayNow does not list; A-Pay also covers Africa, Europe and 2 more; only PayNow offers Instant Payout, Low Fees.
Which is cheaper, PayNow or A-Pay?
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 PayNow and A-Pay?
PayNow lists 2 regions and 4 payment methods; A-Pay lists 6 and 19. both cover Asia, Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayNow and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, PayNow does not list one; both support webhooks; PayNow 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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