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TerraPay

TerraPay

Global Real-Time Settlements

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Per-transaction vs Custom
Features

0 shared

2 unique to TerraPay · 5 unique to A-Pay
Regions

3 shared

1 unique to TerraPay · 3 unique to A-Pay
Pay methods

2 shared

17 unique to A-Pay
On fees

TerraPay publishes 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
7 features · 19 payment methods · 7 regions. We don't rank these — they're here for reference.
TerraPay TerraPay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Per-transaction
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2014
2021
Headquarters
Amsterdam, Netherlands
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 2)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money
✓
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 4)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

TerraPay is best when you...

Global Real-Time Settlements
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View TerraPay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between TerraPay and A-Pay?
They share 2 payment methods and 3 regions. A-Pay adds ACH, Alipay, Amex and 14 more that TerraPay does not list; TerraPay also covers North America; A-Pay also covers Latin America, Middle East and 1 more; only TerraPay offers Enterprise, Instant Payout.
Which is cheaper, TerraPay or A-Pay?
TerraPay has published rates from 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 TerraPay and A-Pay?
TerraPay lists 4 regions and 2 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TerraPay 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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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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