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PayTel

PayTel

Polish in-store and online merchants (e.g. retail, hospitality, fuel stations, taxis, pharmacies) that want card terminals, SoftPOS or an e-commerce gateway from a single provider.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
— vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

4 shared

4 unique to PayTel · 15 unique to A-Pay

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5 features · 23 payment methods · 6 regions. We don't rank these — they're here for reference.
PayTel PayTel
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
—
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Blik Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Installments Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Money Unique
—
✓
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

PayTel is best when you...

Polish in-store and online merchants (e.g. retail, hospitality, fuel stations, taxis, pharmacies) that want card terminals, SoftPOS or an e-commerce gateway from a single provider.
View PayTel

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between PayTel and A-Pay?
They share 4 payment methods and 0 regions. PayTel adds BLIK, Installments, MB WAY and 1 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 12 more that PayTel does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, PayTel or A-Pay?
PayTel has no published rate; 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 PayTel and A-Pay?
PayTel lists 0 regions and 8 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayTel and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, PayTel does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 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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