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Smile&Pay

Smile&Pay

French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

1 shared

7 unique to Smile&Pay · 18 unique to A-Pay
On settlement

Smile&Pay settles in Instant to 24 business days; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 26 payment methods · 6 regions. We don't rank these — they're here for reference.
Smile&Pay Smile&Pay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume
Custom
Settlement
Time to receive funds
Instant to 24 business days
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 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Cartes Bancaires Unique
✓
—
Contactless Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Pos Unique
✓
—
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Voucher Unique
✓
—
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
—
✓

Smile&Pay is best when you...

French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment
View Smile&Pay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Smile&Pay and A-Pay?
They share 1 payment method and 0 regions. Smile&Pay adds Cartes Bancaires, Contactless, Debit Card and 4 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Smile&Pay 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, Smile&Pay or A-Pay?
Smile&Pay has published rates from From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume; 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 Smile&Pay and A-Pay?
Smile&Pay lists 0 regions and 8 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 Smile&Pay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Smile&Pay does not list one; A-Pay supports webhooks; Smile&Pay settles in Instant to 24 business days, A-Pay in 1–2 business days.

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