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Wise

Wise

International Transfers

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
0.4-2% (varies by currency) vs Custom
Features

2 shared

3 unique to Wise · 3 unique to A-Pay
Regions

3 shared

2 unique to Wise · 3 unique to A-Pay
Pay methods

8 shared

3 unique to Wise · 11 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 8 more than Wise. Verify directly with each provider before signing.

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Show full specs
8 features · 22 payment methods · 8 regions. We don't rank these — they're here for reference.
Wise Wise
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
0.4-2% (varies by currency)
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2011
2021
Headquarters
London, United Kingdom
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 11)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Faster Payments Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sofort Unique
—
✓
Swift Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 5)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Wise is best when you...

International Transfers
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Wise

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Wise and A-Pay?
They share 8 payment methods and 3 regions. Wise adds Debit Card, Faster Payments, SWIFT that A-Pay does not list; A-Pay adds Alipay, Amex, Crypto and 8 more that Wise does not list; Wise also covers North America, Oceania; A-Pay also covers Africa, Middle East and 1 more.
Which is cheaper, Wise or A-Pay?
Wise has published rates from 0.4-2% (varies by currency); 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 Wise and A-Pay?
Wise lists 5 regions and 11 payment methods; 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 Wise and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Wise settles in 1–2 business days, 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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