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Visma Pay

Visma Pay

Finnish online shops, app businesses and multi-merchant marketplaces that want card, Finnish online-bank, mobile-wallet and Klarna payments through one contract, with tiered monthly plans based on sales volume.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

6 shared

3 unique to Visma Pay · 13 unique to A-Pay

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Show full specs
5 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Visma Pay Visma Pay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Valitse tarpeidesi mukaan päivittäiset, viikoittaiset tai kuukausittaiset tilitykset. Päivittäiset tilitykset saatavilla vain Power-paketteihin. Tilitysviive on 3 päivää kaikille maksutapahtumille.
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 9)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Invoice Unique
✓
—
Klarna
✓
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Mobilepay 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
—
✓

Visma Pay is best when you...

Finnish online shops, app businesses and multi-merchant marketplaces that want card, Finnish online-bank, mobile-wallet and Klarna payments through one contract, with tiered monthly plans based on sales volume.
View Visma Pay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Visma Pay and A-Pay?
They share 6 payment methods and 0 regions. Visma Pay adds Debit Card, Invoice, MobilePay that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 10 more that Visma Pay 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, Visma Pay 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 Visma Pay and A-Pay?
Visma Pay lists 0 regions and 9 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 Visma Pay and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Visma Pay does not list one; A-Pay supports webhooks; Visma Pay settles in Valitse tarpeidesi mukaan päivittäiset, viikoittaiset tai kuukausittaiset tilitykset. Päivittäiset tilitykset saatavilla vain Power-paketteihin. Tilitysviive on 3 päivää kaikille maksutapahtumille., A-Pay in 1–2 business days.

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