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Plastiq

Plastiq

B2B Card Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.99%–2.85% vs Custom
Features

1 shared

4 unique to A-Pay
Regions

0 shared

1 unique to Plastiq · 6 unique to A-Pay
Pay methods

3 shared

2 unique to Plastiq · 16 unique to A-Pay
On fees

Plastiq publishes 2.99%–2.85% from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
5 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Plastiq Plastiq
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.99%–2.85%
Custom
Settlement
Time to receive funds
1–7 business days
1–2 business days
Founded
2012
2021
Headquarters
San Francisco, California
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Check Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Plastiq is best when you...

B2B Card Payments
Want coverage in North America
A-Pay doesn't cover this region
View Plastiq

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Plastiq and A-Pay?
They share 3 payment methods and 0 regions. Plastiq adds Check, Debit Card that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 13 more that Plastiq does not list; Plastiq also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Plastiq or A-Pay?
Plastiq has published rates from 2.99%–2.85%; 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 Plastiq and A-Pay?
Plastiq lists 1 region and 5 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 Plastiq and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Plastiq does not list one; both support webhooks; Plastiq settles in 1–7 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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