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SterlingPay

SterlingPay

Online businesses that need cards, wallets and bank transfers in 150+ currencies, with settlement in EUR, GBP or USD.

VS

Apple Pay

Mobile & contactless payments

Apple Pay
Fees from
Custom vs Custom
Features

0 shared

3 unique to SterlingPay · 3 unique to Apple Pay
Regions

0 shared

1 unique to SterlingPay · 8 unique to Apple Pay
Pay methods

3 shared

9 unique to SterlingPay · 2 unique to Apple 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
6 features · 14 payment methods · 9 regions. We don't rank these — they're here for reference.
SterlingPay SterlingPay
Apple Pay Apple Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
Varies by payment processor
Founded
2026
2014
Headquarters
Vancouver, Canada
Cupertino, California
Sandbox / Test Mode
—
✓
Webhook Support
—
—
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Multi Currency Unique
✓
—
Recurring Billing Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods
SterlingPay leads (12 vs 5)
Ach Unique
✓
—
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Faster Payments Unique
✓
—
Google Pay Unique
✓
—
Interac Unique
✓
—
Nfc Unique
—
✓
Open Banking Unique
✓
—
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Wire Transfer Unique
✓
—
Regions
Apple Pay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Global Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

SterlingPay is best when you...

Online businesses that need cards, wallets and bank transfers in 150+ currencies, with settlement in EUR, GBP or USD.
Need Multi Currency
Not available with Apple Pay
Need Recurring Billing
Not available with Apple Pay
Want coverage in Global
Apple Pay doesn't cover this region
View SterlingPay

Apple Pay is best when you...

Mobile & contactless payments
Need Enterprise
Not available with SterlingPay
Need Instant Payout
Not available with SterlingPay
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
SterlingPay doesn't cover these regions
View Apple Pay

Frequently Asked Questions

What is the difference between SterlingPay and Apple Pay?
They share 3 payment methods and 0 regions. SterlingPay adds ACH, Bank Transfer, Faster Payments and 6 more that Apple Pay does not list; Apple Pay adds Contactless, NFC that SterlingPay does not list; SterlingPay also covers Global; Apple Pay also covers Africa, Asia and 6 more.
Which is cheaper, SterlingPay or Apple 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 SterlingPay and Apple Pay?
SterlingPay lists 1 region and 12 payment methods; Apple Pay lists 8 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SterlingPay and Apple Pay compare on integration and settlement?
Apple Pay offers a sandbox, SterlingPay does not list one; Apple Pay publishes a settlement time of Varies by payment processor.

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