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Togai

Togai

SaaS Metering Platform

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

2 shared

3 unique to A-Pay
Regions

1 shared

1 unique to Togai · 5 unique to A-Pay
Pay methods

4 shared

15 unique to A-Pay

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

Togai is best when you...

SaaS Metering Platform
Want coverage in North America
A-Pay doesn't cover this region
View Togai

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Togai and A-Pay?
They share 4 payment methods and 1 region. A-Pay adds Alipay, Amex, Apple Pay and 12 more that Togai does not list; Togai also covers North America; A-Pay also covers Africa, Europe and 3 more; only A-Pay offers Crypto Support, High Risk Accepted and 1 more.
Which is cheaper, Togai or A-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 Togai and A-Pay?
Togai lists 2 regions and 4 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Togai 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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