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SMEB

SMEB

UK small and medium-sized businesses that want card terminals or phone-based Tap to Pay (SoftPOS) together with an e-money business account and cash deposit services.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

3 shared

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

SMEB publishes POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction. 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 · 6 regions. We don't rank these — they're here for reference.
SMEB SMEB
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 per transaction.
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 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
✓
✓
Mobile Money Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

SMEB is best when you...

UK small and medium-sized businesses that want card terminals or phone-based Tap to Pay (SoftPOS) together with an e-money business account and cash deposit services.
View SMEB

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between SMEB and A-Pay?
They share 3 payment methods and 0 regions. SMEB adds Contactless, Mobile Wallet that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that SMEB does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, SMEB or A-Pay?
SMEB has published rates from POS: 1% fee. E-money business account: Monthly Account Fee £7.99 (Waived for the first 6 months after onboarding); CHAPS / SWIFT / International Transfer £20.00 per transaction; Faster Payments £0.30 per transaction; BACS Payment £0.25 per transaction; Virtual Card Issuance £1.00; Physical Card Issuance £9.99; ATM Withdrawal £1.00 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 SMEB and A-Pay?
SMEB lists 0 regions 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 SMEB and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, SMEB does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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