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Utrust

Utrust

Crypto-to-fiat

VS

Afterpay

BNPL Pioneer

Afterpay
Fees from
1% vs Custom
Features

1 shared

3 unique to Utrust · 2 unique to Afterpay
Regions

2 shared

1 unique to Afterpay
Pay methods

2 shared

7 unique to Utrust · 5 unique to Afterpay

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6 features · 14 payment methods · 3 regions. We don't rank these — they're here for reference.
Utrust Utrust
Afterpay Afterpay
Quick Facts
Fees
Standard transaction rate
1%
Custom
Settlement
Time to receive funds
Instant
1–5 business days
Founded
2017
2014
Headquarters
Lisbon, Portugal
Melbourne, Australia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Utrust leads (4 vs 3)
Crypto Support Unique
✓
—
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Utrust leads (9 vs 7)
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bitcoin Unique
✓
—
Bnpl Unique
—
✓
Crypto Unique
✓
—
Digital Wallet Unique
—
✓
Ethereum Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Mastercard
✓
✓
Usdc Unique
✓
—
Usdt Unique
✓
—
Visa
✓
✓
Regions
Afterpay leads (3 vs 2)
Europe
✓
✓
North America
✓
✓
Oceania Unique
—
✓

Utrust is best when you...

Crypto-to-fiat
Need Crypto Support
Not available with Afterpay
Need High Risk Accepted
Not available with Afterpay
View Utrust

Afterpay is best when you...

BNPL Pioneer
Need Recurring Payments
Not available with Utrust
Need Startup Friendly
Not available with Utrust
Want coverage in Oceania
Utrust doesn't cover this region
View Afterpay

Frequently Asked Questions

What is the difference between Utrust and Afterpay?
They share 2 payment methods and 2 regions. Utrust adds Apple Pay, Bitcoin, Crypto and 4 more that Afterpay does not list; Afterpay adds Afterpay, Amex, Buy Now Pay Later and 2 more that Utrust does not list; Afterpay also covers Oceania; only Utrust offers Crypto Support, High Risk Accepted and 1 more.
Which is cheaper, Utrust or Afterpay?
Utrust has published rates from 1%; Afterpay 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 Utrust and Afterpay?
Utrust lists 2 regions and 9 payment methods; Afterpay lists 3 and 7. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Utrust and Afterpay compare on integration and settlement?
both offer a sandbox; both support webhooks; Utrust settles in Instant, Afterpay in 1–5 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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