Pin Payments

Pin Payments

Australian startups

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.75% + $0.30 domestic vs Custom
Features

1 shared

1 unique to Pin Payments · 4 unique to A-Pay
Regions

0 shared

1 unique to Pin Payments · 6 unique to A-Pay
Pay methods

5 shared

3 unique to Pin Payments · 14 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
6 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Pin Payments Pin Payments
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.75% + $0.30 domestic
Custom
Settlement
Time to receive funds
3 business days
1–2 business days
Founded
2013
2021
Headquarters
Melbourne, Australia
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Pin Payments is best when you...

Australian startups
Need Low Fees
Not available with A-Pay
Want coverage in Oceania
A-Pay doesn't cover this region
View Pin Payments

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Pin Payments and A-Pay?
They share 5 payment methods and 0 regions. Pin Payments adds Diners Club, Discover, JCB that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that Pin Payments does not list; Pin Payments also covers Oceania; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Pin Payments or A-Pay?
Pin Payments has published rates from 1.75% + $0.30 domestic; 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 Pin Payments and A-Pay?
Pin Payments lists 1 region 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 Pin Payments and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Pin Payments settles in 3 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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