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Paystack

Paystack

Nigerian Market

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.95% (local), 3.9% (international) vs Custom
Features

2 shared

2 unique to Paystack · 3 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

6 shared

6 unique to Paystack · 13 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 7 more than Paystack. Verify directly with each provider before signing.

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7 features · 25 payment methods · 6 regions. We don't rank these — they're here for reference.
Paystack Paystack
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.95% (local), 3.9% (international)
Custom
Settlement
Time to receive funds
1–7 business days
1–2 business days
Founded
2015
2021
Headquarters
Lagos, Nigeria
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 4)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox
✓
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 12)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Eft Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money
✓
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Pos Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Ussd Unique
✓
—
Verve Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Paystack is best when you...

Nigerian Market
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
View Paystack

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Paystack and A-Pay?
They share 6 payment methods and 1 region. Paystack adds Debit Card, EFT, Mobile Wallet and 3 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 10 more that Paystack does not list; A-Pay also covers Asia, Europe and 3 more; only Paystack offers Enterprise, Instant Payout.
Which is cheaper, Paystack or A-Pay?
Paystack has published rates from 1.95% (local), 3.9% (international); 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 Paystack and A-Pay?
Paystack lists 1 region and 12 payment methods; A-Pay lists 6 and 19. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Paystack and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Paystack settles in 1–7 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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