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PayPal

PayPal

Global e-commerce

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.9% + $0.30 + split fees vs Custom
Features

2 shared

3 unique to PayPal · 3 unique to A-Pay
Regions

5 shared

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

10 shared

9 unique to PayPal · 9 unique to A-Pay

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8 features · 28 payment methods · 8 regions. We don't rank these — they're here for reference.
PayPal PayPal
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30 + split fees
Custom
Settlement
Time to receive funds
3–5 business days
1–2 business days
Founded
1998
2021
Headquarters
San Jose, California
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Blik Unique
✓
—
Bnpl Unique
✓
—
Credit Card Unique
—
✓
Crypto
✓
✓
Discover Unique
✓
—
Eps Unique
✓
—
Giropay Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
Pix Unique
—
✓
Przelewy24 Unique
✓
—
Sepa Unique
—
✓
Sofort
✓
✓
Trustly Unique
✓
—
Upi Unique
—
✓
Venmo Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
PayPal leads (7 vs 6)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

PayPal is best when you...

Global e-commerce
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View PayPal

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need High Risk Accepted
Not available with PayPal
Need Recurring Payments
Not available with PayPal
Want coverage in Southeast Asia
PayPal doesn't cover this region
View A-Pay

Frequently Asked Questions

What is the difference between PayPal and A-Pay?
They share 10 payment methods and 5 regions. PayPal adds Bancontact, BLIK, Buy Now Pay Later and 6 more that A-Pay does not list; A-Pay adds ACH, Alipay, Credit Card and 6 more that PayPal does not list; PayPal also covers North America, Oceania; A-Pay also covers Southeast Asia.
Which is cheaper, PayPal or A-Pay?
PayPal has published rates from 2.9% + $0.30 + split fees; 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 PayPal and A-Pay?
PayPal lists 7 regions and 19 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayPal and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPal settles in 3–5 business days, A-Pay in 1–2 business days.

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