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Vivid

Vivid

Small businesses, freelancers, and retail or hospitality merchants in Germany that want a business account bundled with payment links and a free card terminal.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards". vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

5 shared

9 unique to Vivid · 14 unique to A-Pay
On settlement

Vivid settles in Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings.; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 28 payment methods · 6 regions. We don't rank these — they're here for reference.
Vivid Vivid
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards".
Custom
Settlement
Time to receive funds
Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings.
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 14)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Girocard Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Invoice Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Pos Unique
✓
—
Qr Code Unique
✓
—
Samsung Pay 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
—
✓

Vivid is best when you...

Small businesses, freelancers, and retail or hospitality merchants in Germany that want a business account bundled with payment links and a free card terminal.
View Vivid

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Vivid and A-Pay?
They share 5 payment methods and 0 regions. Vivid adds Diners Club, Discover, girocard and 6 more that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that Vivid 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, Vivid or A-Pay?
Vivid has published rates from Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards".; 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 Vivid and A-Pay?
Vivid lists 0 regions and 14 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 Vivid and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Vivid does not list one; A-Pay supports webhooks; Vivid settles in Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings., A-Pay in 1–2 business days.

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