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SumUp

SumUp

Small EU businesses

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.69% (UK/EU) vs Custom
Features

1 shared

1 unique to SumUp · 4 unique to A-Pay
Regions

2 shared

4 unique to A-Pay
Pay methods

5 shared

2 unique to SumUp · 14 unique to A-Pay
On fees

SumUp publishes 1.69% (UK/EU) from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
SumUp SumUp
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
Custom
Settlement
Time to receive funds
2–3 business days
1–2 business days
Founded
2012
2021
Headquarters
London, United Kingdom
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

SumUp is best when you...

Small EU businesses
Need Low Fees
Not available with A-Pay
View SumUp

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between SumUp and A-Pay?
They share 5 payment methods and 2 regions. SumUp adds Contactless, Maestro that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that SumUp does not list; A-Pay also covers Africa, Asia and 2 more; only SumUp offers Low Fees.
Which is cheaper, SumUp or A-Pay?
SumUp has published rates from 1.69% (UK/EU); 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 SumUp and A-Pay?
SumUp lists 2 regions and 7 payment methods; A-Pay lists 6 and 19. both cover Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SumUp and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; SumUp settles in 2–3 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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