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Visa Direct

Visa Direct

Real-Time Push Payments to Visa Cards

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Per-transaction vs Custom
Features

0 shared

2 unique to Visa Direct · 5 unique to A-Pay
Regions

3 shared

1 unique to Visa Direct · 3 unique to A-Pay
Pay methods

1 shared

18 unique to A-Pay
On settlement

Visa Direct settles in Instant; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
7 features · 19 payment methods · 7 regions. We don't rank these — they're here for reference.
Visa Direct Visa Direct
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Per-transaction
Custom
Settlement
Time to receive funds
Instant
1–2 business days
Founded
2015
2021
Headquarters
San Francisco, California
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 1)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
✓
—
Southeast Asia Unique
—
✓

Visa Direct is best when you...

Real-Time Push Payments to Visa Cards
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America
A-Pay doesn't cover this region
View Visa Direct

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Visa Direct and A-Pay?
They share 1 payment method and 3 regions. A-Pay adds ACH, Alipay, Amex and 15 more that Visa Direct does not list; Visa Direct also covers North America; A-Pay also covers Africa, Middle East and 1 more; only Visa Direct offers Enterprise, Instant Payout.
Which is cheaper, Visa Direct or A-Pay?
Visa Direct has published rates from Per-transaction; 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 Visa Direct and A-Pay?
Visa Direct lists 4 regions and 1 payment method; A-Pay lists 6 and 19. both cover Asia, Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Visa Direct and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Visa Direct 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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