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Payrix

Payrix

SaaS Embedded Payments

VS

Acima

No-Credit-Check Lease-to-Own

Acima
Fees from
Custom vs Custom
Features

1 shared

1 unique to Payrix · 1 unique to Acima
Regions

1 shared

1 unique to Payrix
Pay methods

2 shared

3 unique to Payrix · 4 unique to Acima
On licensing

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Show full specs
3 features · 9 payment methods · 2 regions. We don't rank these — they're here for reference.
Payrix Payrix
Acima Acima
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–2 business days
1–3 business days
Founded
2015
2013
Headquarters
Ponte Vedra Beach, Florida
Draper, Utah
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Instant Sandbox
✓
✓
Recurring Payments Unique
—
✓
Payment Methods
Acima leads (6 vs 5)
Ach
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Credit Card Unique
✓
—
Debit Card
✓
✓
Discover Unique
—
✓
Google Pay Unique
✓
—
Mastercard Unique
—
✓
Visa Unique
—
✓
Regions
Payrix leads (2 vs 1)
North America
✓
✓
Oceania Unique
✓
—

Payrix is best when you...

SaaS Embedded Payments
Need Enterprise
Not available with Acima
Want coverage in Oceania
Acima doesn't cover this region
View Payrix

Acima is best when you...

No-Credit-Check Lease-to-Own
Need Recurring Payments
Not available with Payrix
View Acima

Frequently Asked Questions

What is the difference between Payrix and Acima?
They share 2 payment methods and 1 region. Payrix adds Apple Pay, Credit Card, Google Pay that Acima does not list; Acima adds Bank Transfer, Discover, Mastercard and 1 more that Payrix does not list; Payrix also covers Oceania; only Payrix offers Enterprise.
Which is cheaper, Payrix or Acima?
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 Payrix and Acima?
Payrix lists 2 regions and 5 payment methods; Acima lists 1 and 6. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payrix and Acima compare on integration and settlement?
Payrix offers a sandbox, Acima does not list one; both support webhooks; Payrix settles in 1–2 business days, Acima in 1–3 business days.

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