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Payoneer

Payoneer

Freelancer Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
3.99% + $0.49 vs Custom
Features

1 shared

2 unique to Payoneer · 4 unique to A-Pay
Regions

4 shared

1 unique to Payoneer · 2 unique to A-Pay
Pay methods

3 shared

3 unique to Payoneer · 16 unique to A-Pay
On region

A-Pay covers 6 regions; Payoneer covers 5. Verify directly with each provider before signing.

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Show full specs
7 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Payoneer Payoneer
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
3.99% + $0.49
Custom
Settlement
Time to receive funds
2–7 business days
1–2 business days
Founded
2005
2021
Headquarters
New York City, New York, United States
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Wire Transfer Unique
✓
—
Regions
A-Pay leads (6 vs 5)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Payoneer is best when you...

Freelancer Payments
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Payoneer

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Payoneer and A-Pay?
They share 3 payment methods and 4 regions. Payoneer adds Debit Card, Digital Wallet, Wire Transfer that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 13 more that Payoneer does not list; Payoneer also covers North America; A-Pay also covers Middle East, Southeast Asia.
Which is cheaper, Payoneer or A-Pay?
Payoneer has published rates from 3.99% + $0.49; 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 Payoneer and A-Pay?
Payoneer lists 5 regions and 6 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payoneer and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Payoneer settles in 2–7 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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