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Unit

Unit

Embedded Banking

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

1 shared

4 unique to A-Pay
Regions

0 shared

1 unique to Unit · 6 unique to A-Pay
Pay methods

2 shared

3 unique to Unit · 17 unique to A-Pay

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5 features · 22 payment methods · 7 regions. We don't rank these — they're here for reference.
Unit Unit
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
1–3 business days
1–2 business days
Founded
2019
2021
Headquarters
San Francisco, California
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 5)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Check Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Wire Transfer Unique
✓
—
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Unit is best when you...

Embedded Banking
Want coverage in North America
A-Pay doesn't cover this region
View Unit

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Unit and A-Pay?
They share 2 payment methods and 0 regions. Unit adds Check, Debit Card, Wire Transfer that A-Pay does not list; A-Pay adds Alipay, Amex, Apple Pay and 14 more that Unit does not list; Unit also covers North America; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Unit 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 Unit and A-Pay?
Unit lists 1 region and 5 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 Unit and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Unit settles in 1–3 business days, A-Pay in 1–2 business days.

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