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PayXL

PayXL

VS

Culqi

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo

Culqi
Fees from
Custom vs 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Features

2 shared

6 unique to PayXL · 1 unique to Culqi
Regions

1 shared

8 unique to PayXL
Pay methods

2 shared

23 unique to PayXL · 5 unique to Culqi
On region

PayXL covers 9 regions; Culqi covers 1. Verify directly with each provider before signing.

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Show full specs
9 features · 30 payment methods · 9 regions. We don't rank these — they're here for reference.
PayXL PayXL
Culqi Culqi
Quick Facts
Fees
Standard transaction rate
Custom
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Settlement
Time to receive funds
Same day
Same day
Founded
—
2013
Headquarters
Canada
Lima, Peru
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
PayXL leads (8 vs 3)
Crypto Support Unique
✓
—
High Risk Accepted Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Virtual Terminal Unique
✓
—
Payment Methods
PayXL leads (25 vs 7)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Bank Transfer
✓
✓
Bitcoin Unique
✓
—
Bnpl
✓
✓
Chaps Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
✓
—
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Ethereum Unique
✓
—
Faster Payments Unique
✓
—
Installments Unique
✓
—
Klarna Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
Mastercard Unique
—
✓
Real Time Payments Unique
✓
—
Sepa Unique
✓
—
Sepa Direct Debit Unique
✓
—
Solana Unique
✓
—
Stablecoin Unique
✓
—
Swift Unique
✓
—
Usdc Unique
✓
—
Usdt Unique
✓
—
Virtual Account Unique
✓
—
Visa Unique
—
✓
Wire Transfer Unique
✓
—
Xrp Unique
✓
—
Regions
PayXL leads (9 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Global Unique
✓
—
Latin America
✓
✓
Middle East Unique
✓
—
North America Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

PayXL is best when you...

Need Crypto Support
Not available with Culqi
Need High Risk Accepted
Not available with Culqi
Want coverage in Africa, Asia, Europe, Global, Middle East, North America, South America, Southeast Asia
Culqi doesn't cover these regions
View PayXL

Culqi is best when you...

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo
Need Instant Sandbox
Not available with PayXL
View Culqi

Frequently Asked Questions

What is the difference between PayXL and Culqi?
They share 2 payment methods and 1 region. PayXL adds ACH, Affirm, Afterpay and 20 more that Culqi does not list; Culqi adds Credit Card, Debit Card, Digital Wallet and 2 more that PayXL does not list; PayXL also covers Africa, Asia and 6 more; only PayXL offers Crypto Support, High Risk Accepted and 4 more.
Which is cheaper, PayXL or Culqi?
PayXL has custom pricing quoted on engagement; Culqi has published rates from 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayXL and Culqi?
PayXL lists 9 regions and 25 payment methods; Culqi lists 1 and 7. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayXL and Culqi compare on integration and settlement?
Culqi offers a sandbox, PayXL does not list one; Culqi supports webhooks; PayXL settles in Same day, Culqi in Same day.

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