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Starling Bank

Starling Bank

UK Business Banking

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free personal accounts vs Custom
Features

1 shared

2 unique to Starling Bank · 4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

3 shared

3 unique to Starling Bank · 16 unique to A-Pay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Starling Bank Starling Bank
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free personal accounts
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2014
2021
Headquarters
London, United Kingdom
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 3)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Faster Payments Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Starling Bank is best when you...

UK Business Banking
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View Starling Bank

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Starling Bank and A-Pay?
They share 3 payment methods and 1 region. Starling Bank adds Debit Card, Direct Debit, Faster Payments that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that Starling Bank does not list; A-Pay also covers Africa, Asia and 3 more; only Starling Bank offers Instant Payout, Low Fees.
Which is cheaper, Starling Bank or A-Pay?
Starling Bank has published rates from Free personal accounts; 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 Starling Bank and A-Pay?
Starling Bank lists 1 region and 6 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Starling Bank and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; A-Pay publishes a settlement time of 1–2 business days.

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