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W

Westpac

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
OnlinePay: 1.4% flat for Visa/Mastercard. EFTPOS Flex: 1.2% flat + AUD 24.75/mo terminal fee. EFTPOS Air: 1.4% flat. Amex/JCB billed separately. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

1 unique to Westpac · 6 unique to A-Pay
Pay methods

2 shared

2 unique to Westpac · 17 unique to A-Pay
On fees

Westpac publishes OnlinePay: 1.4% flat for Visa/Mastercard. EFTPOS Flex: 1.2% flat + AUD 24.75/mo terminal fee. EFTPOS Air: 1.4% flat. Amex/JCB billed separately. from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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5 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Westpac
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
OnlinePay: 1.4% flat for Visa/Mastercard. EFTPOS Flex: 1.2% flat + AUD 24.75/mo terminal fee. EFTPOS Air: 1.4% flat. Amex/JCB billed separately.
Custom
Settlement
Time to receive funds
—
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 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb Unique
✓
—
Klarna 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 Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Westpac is best when you...

Want coverage in Oceania
A-Pay doesn't cover this region
View Westpac

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Westpac and A-Pay?
They share 2 payment methods and 0 regions. Westpac adds JCB, UnionPay that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 14 more that Westpac does not list; Westpac also covers Oceania; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Westpac or A-Pay?
Westpac has published rates from OnlinePay: 1.4% flat for Visa/Mastercard. EFTPOS Flex: 1.2% flat + AUD 24.75/mo terminal fee. EFTPOS Air: 1.4% flat. Amex/JCB billed separately.; 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 Westpac and A-Pay?
Westpac lists 1 region and 4 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 Westpac and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Westpac does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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