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Pine Labs

Pine Labs

Indian Merchant Commerce

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Pine Labs · 5 unique to A-Pay
Regions

2 shared

4 unique to A-Pay
Pay methods

2 shared

5 unique to Pine Labs · 17 unique to A-Pay

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6 features · 24 payment methods · 6 regions. We don't rank these — they're here for reference.
Pine Labs Pine Labs
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
1998
2021
Headquarters
Noida, India
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Pos Unique
✓
—
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi
✓
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia
✓
✓

Pine Labs is best when you...

Indian Merchant Commerce
Need Enterprise
Not available with A-Pay
View Pine Labs

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Pine Labs and A-Pay?
They share 2 payment methods and 2 regions. Pine Labs adds Contactless, Debit Card, Mobile Wallet and 2 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Pine Labs does not list; A-Pay also covers Africa, Europe and 2 more; only Pine Labs offers Enterprise.
Which is cheaper, Pine Labs or A-Pay?
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 Pine Labs and A-Pay?
Pine Labs lists 2 regions and 7 payment methods; A-Pay lists 6 and 19. both cover Asia, Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pine Labs and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Pine Labs settles in 1–2 business days, A-Pay in 1–2 business days.

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