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Pine Labs

Pine Labs

Indian Merchant Commerce

VS

AffiniPay (8am)

Professional services

AffiniPay (8am)
Fees from
Custom vs 2.95% + $0.30
Features

1 shared

1 unique to AffiniPay (8am)
Regions

0 shared

2 unique to Pine Labs · 1 unique to AffiniPay (8am)
Pay methods

0 shared

7 unique to Pine Labs · 6 unique to AffiniPay (8am)
On fees

Pine Labs uses custom pricing, quoted on engagement. AffiniPay (8am) publishes 2.95% + $0.30 from. Verify directly with each provider before signing.

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Show full specs
2 features · 13 payment methods · 3 regions. We don't rank these — they're here for reference.
Pine Labs Pine Labs
AffiniPay (8am) AffiniPay (8am)
Quick Facts
Fees
Standard transaction rate
Custom
2.95% + $0.30
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
1998
2005
Headquarters
Noida, India
Austin, Texas, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
AffiniPay (8am) leads (2 vs 1)
Enterprise
✓
✓
Recurring Payments Unique
—
✓
Payment Methods
Pine Labs leads (7 vs 6)
Ach Unique
—
✓
Amex Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Discover Unique
—
✓
Echeck Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Pos Unique
✓
—
Qr Code Unique
✓
—
Upi Unique
✓
—
Visa Unique
—
✓
Regions
Pine Labs leads (2 vs 1)
Asia Unique
✓
—
North America Unique
—
✓
Southeast Asia Unique
✓
—

Pine Labs is best when you...

Indian Merchant Commerce
Want coverage in Asia, Southeast Asia
AffiniPay (8am) doesn't cover these regions
View Pine Labs

AffiniPay (8am) is best when you...

Professional services
Need Recurring Payments
Not available with Pine Labs
Want coverage in North America
Pine Labs doesn't cover this region
View AffiniPay (8am)

Frequently Asked Questions

What is the difference between Pine Labs and AffiniPay (8am)?
They share 0 payment methods and 0 regions. Pine Labs adds Contactless, Credit Card, Debit Card and 4 more that AffiniPay (8am) does not list; AffiniPay (8am) adds ACH, Amex, Discover and 3 more that Pine Labs does not list; Pine Labs also covers Asia, Southeast Asia; AffiniPay (8am) also covers North America.
Which is cheaper, Pine Labs or AffiniPay (8am)?
Pine Labs has custom pricing quoted on engagement; AffiniPay (8am) has published rates from 2.95% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Pine Labs and AffiniPay (8am)?
Pine Labs lists 2 regions and 7 payment methods; AffiniPay (8am) lists 1 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pine Labs and AffiniPay (8am) compare on integration and settlement?
both offer a sandbox; both support webhooks; Pine Labs settles in 1–2 business days, AffiniPay (8am) 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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