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TWPayz

TWPayz

Merchants that take card payments in store and online and want card terminals, e-commerce checkout, Pay by Bank and a multi-currency business account from a single provider.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Card-type pricing (card present / card not present): Personal Debit 0.30% / 0.30%; Personal Credit 0.49% / 0.49%; Business Credit / Debit 1.79% / 1.79%; International / Non-EEA 1.99% / 1.99%; AMEX (own MID) 1.99% / 1.99%; Authorisation fee £0.04 + VAT / £0.12 + VAT. Or One Flat Rate 0.64% all card types, in-store & online, authorisation fees included (available where business and international cards are under 20% of your volume). Terminal rental £12 + VAT / month; SIM card £2 / month. Pay by Bank: up to £9,999 0.10% + £1; £10,000 and above 0.05% + £1. Business accounts: Starter Free (Faster Payments £0.40, CHAPS £20, BACS £1, IBAN £1 / mo); Growth £19.99 / month; Scale £41.66 / month; Enterprise £100+ / month. Prices exclude VAT. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

5 shared

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

TWPayz publishes Card-type pricing (card present / card not present): Personal Debit 0.30% / 0.30%; Personal Credit 0.49% / 0.49%; Business Credit / Debit 1.79% / 1.79%; International / Non-EEA 1.99% / 1.99%; AMEX (own MID) 1.99% / 1.99%; Authorisation fee £0.04 + VAT / £0.12 + VAT. Or One Flat Rate 0.64% all card types, in-store & online, authorisation fees included (available where business and international cards are under 20% of your volume). Terminal rental £12 + VAT / month; SIM card £2 / month. Pay by Bank: up to £9,999 0.10% + £1; £10,000 and above 0.05% + £1. Business accounts: Starter Free (Faster Payments £0.40, CHAPS £20, BACS £1, IBAN £1 / mo); Growth £19.99 / month; Scale £41.66 / month; Enterprise £100+ / month. Prices exclude VAT. from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
5 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
TWPayz TWPayz
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Card-type pricing (card present / card not present): Personal Debit 0.30% / 0.30%; Personal Credit 0.49% / 0.49%; Business Credit / Debit 1.79% / 1.79%; International / Non-EEA 1.99% / 1.99%; AMEX (own MID) 1.99% / 1.99%; Authorisation fee £0.04 + VAT / £0.12 + VAT. Or One Flat Rate 0.64% all card types, in-store & online, authorisation fees included (available where business and international cards are under 20% of your volume). Terminal rental £12 + VAT / month; SIM card £2 / month. Pay by Bank: up to £9,999 0.10% + £1; £10,000 and above 0.05% + £1. Business accounts: Starter Free (Faster Payments £0.40, CHAPS £20, BACS £1, IBAN £1 / mo); Growth £19.99 / month; Scale £41.66 / month; Enterprise £100+ / month. Prices exclude VAT.
Custom
Settlement
Time to receive funds
Card, online and link payments settle next working day. Pay by Bank confirms instantly.
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Open Banking Unique
✓
—
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

TWPayz is best when you...

Merchants that take card payments in store and online and want card terminals, e-commerce checkout, Pay by Bank and a multi-currency business account from a single provider.
View TWPayz

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between TWPayz and A-Pay?
They share 5 payment methods and 0 regions. TWPayz adds Open Banking, Payment Link that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that TWPayz does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, TWPayz or A-Pay?
TWPayz has published rates from Card-type pricing (card present / card not present): Personal Debit 0.30% / 0.30%; Personal Credit 0.49% / 0.49%; Business Credit / Debit 1.79% / 1.79%; International / Non-EEA 1.99% / 1.99%; AMEX (own MID) 1.99% / 1.99%; Authorisation fee £0.04 + VAT / £0.12 + VAT. Or One Flat Rate 0.64% all card types, in-store & online, authorisation fees included (available where business and international cards are under 20% of your volume). Terminal rental £12 + VAT / month; SIM card £2 / month. Pay by Bank: up to £9,999 0.10% + £1; £10,000 and above 0.05% + £1. Business accounts: Starter Free (Faster Payments £0.40, CHAPS £20, BACS £1, IBAN £1 / mo); Growth £19.99 / month; Scale £41.66 / month; Enterprise £100+ / month. Prices exclude VAT.; 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 TWPayz and A-Pay?
TWPayz lists 0 regions and 7 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TWPayz and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, TWPayz does not list one; A-Pay supports webhooks; TWPayz settles in Card, online and link payments settle next working day. Pay by Bank confirms instantly., A-Pay in 1–2 business days.

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