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TransferGo

TransferGo

European Cross-Border Transfers

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From €0.99 per transfer vs Custom
Features

0 shared

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

2 shared

4 unique to A-Pay
Pay methods

4 shared

2 unique to TransferGo · 15 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
7 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
TransferGo TransferGo
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From €0.99 per transfer
Custom
Settlement
Time to receive funds
1–2 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 Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Swift Unique
✓
—
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

TransferGo is best when you...

European Cross-Border Transfers
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View TransferGo

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between TransferGo and A-Pay?
They share 4 payment methods and 2 regions. TransferGo adds Debit Card, SWIFT that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 12 more that TransferGo does not list; A-Pay also covers Africa, Latin America and 2 more; only TransferGo offers Instant Payout, Low Fees.
Which is cheaper, TransferGo or A-Pay?
TransferGo has published rates from From €0.99 per transfer; 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 TransferGo and A-Pay?
TransferGo lists 2 regions and 6 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TransferGo and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, TransferGo does not list one; A-Pay supports webhooks; TransferGo settles in 1–2 business days, A-Pay in 1–2 business days.

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