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Shopify Payments

Shopify Payments

Shopify Merchants

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.4%-2.9% + $0.30 per transaction vs Custom
Features

2 shared

1 unique to Shopify Payments · 3 unique to A-Pay
Regions

2 shared

2 unique to Shopify Payments · 4 unique to A-Pay
Pay methods

4 shared

1 unique to Shopify Payments · 15 unique to A-Pay
On settlement

Shopify Payments settles in 1–3 business days; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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6 features · 20 payment methods · 8 regions. We don't rank these — they're here for reference.
Shopify Payments Shopify Payments
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.4%-2.9% + $0.30 per transaction
Custom
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2013
2021
Headquarters
Ottawa, Canada
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal
✓
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Shopify Payments is best when you...

Shopify Merchants
Need Enterprise
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Shopify Payments

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Shopify Payments and A-Pay?
They share 4 payment methods and 2 regions. Shopify Payments adds Debit Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 12 more that Shopify Payments does not list; Shopify Payments also covers North America, Oceania; A-Pay also covers Africa, Latin America and 2 more.
Which is cheaper, Shopify Payments or A-Pay?
Shopify Payments has published rates from 2.4%-2.9% + $0.30 per transaction; 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 Shopify Payments and A-Pay?
Shopify Payments lists 4 regions and 5 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Shopify Payments and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Shopify Payments settles in 1–3 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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