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XGD Europe

XGD Europe

Businesses expanding into Europe, including e-commerce sellers, trading companies and retail or hospitality merchants, that want local LU/DE/DK/NL IBAN accounts together with online and in-store card and wallet acceptance.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.) vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

9 shared

5 unique to XGD Europe · 10 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
5 features · 24 payment methods · 6 regions. We don't rank these — they're here for reference.
XGD Europe XGD Europe
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.)
Custom
Settlement
Time to receive funds
Supports fastest T+1 settlement
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
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Blik Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort
✓
✓
Unionpay Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay
✓
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

XGD Europe is best when you...

Businesses expanding into Europe, including e-commerce sellers, trading companies and retail or hospitality merchants, that want local LU/DE/DK/NL IBAN accounts together with online and in-store card and wallet acceptance.
View XGD Europe

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between XGD Europe and A-Pay?
They share 9 payment methods and 0 regions. XGD Europe adds BLIK, Diners Club, Discover and 2 more that A-Pay does not list; A-Pay adds ACH, Bank Transfer, Credit Card and 7 more that XGD Europe 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, XGD Europe or A-Pay?
XGD Europe has published rates from Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.); 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 XGD Europe and A-Pay?
XGD Europe 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 XGD Europe and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, XGD Europe does not list one; A-Pay supports webhooks; XGD Europe settles in Supports fastest T+1 settlement, A-Pay in 1–2 business days.

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