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Rakuten Pay

Rakuten Pay

Japanese Cashless Payments

VS

Alipay

Chinese Consumers

Alipay
Fees from
3.24% for merchants vs Custom
Features

0 shared

2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

1 shared

3 unique to Rakuten Pay · 6 unique to Alipay
On payment methods

Alipay supports 7 payment methods, 3 more than Rakuten Pay. Verify directly with each provider before signing.

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Show full specs
2 features · 10 payment methods · 8 regions. We don't rank these — they're here for reference.
Rakuten Pay Rakuten Pay
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
3.24% for merchants
Custom
Settlement
Time to receive funds
Next business day
Next business day
Founded
2018
2004
Headquarters
Tokyo, Japan
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
Alipay leads (7 vs 4)
Alipay Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Qr Code
✓
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Rakuten Pay is best when you...

Japanese Cashless Payments
View Rakuten Pay

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Rakuten Pay
Need Instant Payout
Not available with Rakuten Pay
Want coverage in Africa, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Rakuten Pay doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Rakuten Pay and Alipay?
They share 1 payment method and 1 region. Rakuten Pay adds Contactless, Credit Card, Mobile Wallet that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 3 more that Rakuten Pay does not list; Alipay also covers Africa, Europe and 5 more; only Alipay offers Enterprise, Instant Payout.
Which is cheaper, Rakuten Pay or Alipay?
Rakuten Pay has published rates from 3.24% for merchants; Alipay 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 Alipay?
Rakuten Pay lists 1 region and 4 payment methods; Alipay lists 8 and 7. 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 Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Rakuten Pay settles in Next business day, Alipay in Next business day.

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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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