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Toss

Toss

Korean Fintech Super-App

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

1 unique to Toss · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

2 shared

2 unique to Toss · 17 unique to A-Pay
On fees

Toss uses custom pricing, quoted on engagement. 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.
Toss Toss
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2013
2021
Headquarters
Seoul, South Korea
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Mobile Payment 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
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Toss is best when you...

Korean Fintech Super-App
Need Instant Payout
Not available with A-Pay
View Toss

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Toss and A-Pay?
They share 2 payment methods and 1 region. Toss adds Debit Card, Mobile Payment that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Toss does not list; A-Pay also covers Africa, Europe and 3 more; only Toss offers Instant Payout.
Which is cheaper, Toss 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 Toss and A-Pay?
Toss lists 1 region 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 Toss and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Toss settles in Instant, 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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