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Rakuten Pay

Rakuten Pay

Japanese Cashless Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
3.24% for merchants vs Custom
Features

0 shared

5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

1 shared

3 unique to Rakuten Pay · 18 unique to A-Pay
On fees

Rakuten Pay publishes 3.24% for merchants 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 · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Rakuten Pay Rakuten Pay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
3.24% for merchants
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2018
2021
Headquarters
Tokyo, Japan
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Rakuten Pay is best when you...

Japanese Cashless Payments
View Rakuten Pay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Rakuten Pay and A-Pay?
They share 1 payment method and 1 region. Rakuten Pay adds Contactless, Mobile Wallet, QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Rakuten Pay does not list; A-Pay also covers Africa, Europe and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Rakuten Pay or A-Pay?
Rakuten Pay has published rates from 3.24% for merchants; 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 Rakuten Pay and A-Pay?
Rakuten Pay lists 1 region and 4 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Rakuten Pay and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Rakuten Pay settles in Next business day, 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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