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S

Scotiabank

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

5 unique to A-Pay
Regions

3 shared

1 unique to Scotiabank · 3 unique to A-Pay
Pay methods

4 shared

1 unique to Scotiabank · 15 unique to A-Pay
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Show full specs
5 features · 20 payment methods · 7 regions. We don't rank these — they're here for reference.
Scotiabank
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
2021
Headquarters
—
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 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Scotiabank is best when you...

Want coverage in North America
A-Pay doesn't cover this region
View Scotiabank

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Scotiabank and A-Pay?
They share 4 payment methods and 3 regions. Scotiabank adds Interac that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 12 more that Scotiabank does not list; Scotiabank also covers North America; A-Pay also covers Africa, Middle East and 1 more.
Which is cheaper, Scotiabank 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 Scotiabank and A-Pay?
Scotiabank lists 4 regions and 5 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Scotiabank and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Scotiabank does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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