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Viva Wallet

Viva Wallet

European SMEs

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
From 1.20% + €0.05 vs Custom
Features

1 shared

1 unique to Viva Wallet · 4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

5 shared

4 unique to Viva Wallet · 14 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
6 features · 23 payment methods · 6 regions. We don't rank these — they're here for reference.
Viva Wallet Viva Wallet
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
From 1.20% + €0.05
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2010
2021
Headquarters
Athens, Greece
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 9)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Unionpay Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Viva Wallet is best when you...

European SMEs
Need Low Fees
Not available with A-Pay
View Viva Wallet

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Viva Wallet and A-Pay?
They share 5 payment methods and 1 region. Viva Wallet adds Diners Club, JCB, Maestro and 1 more that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that Viva Wallet does not list; A-Pay also covers Africa, Asia and 3 more; only Viva Wallet offers Low Fees.
Which is cheaper, Viva Wallet or A-Pay?
Viva Wallet has published rates from From 1.20% + €0.05; 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 Viva Wallet and A-Pay?
Viva Wallet lists 1 region and 9 payment methods; A-Pay lists 6 and 19. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Viva Wallet and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Viva Wallet settles in 1–2 business days, A-Pay in 1–2 business days.

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