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Xoldy

Xoldy

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Custom vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

3 shared

7 unique to Xoldy · 16 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 · 26 payment methods · 6 regions. We don't rank these — they're here for reference.
Xoldy Xoldy
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
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 10)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bill Payment Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
—
✓
Pagobancomat Unique
✓
—
Payment Link Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Sepa Instant 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
—
✓

Xoldy is best when you...

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.
View Xoldy

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Xoldy and A-Pay?
They share 3 payment methods and 0 regions. Xoldy adds Bill Payment, Debit Card, Maestro and 4 more that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that Xoldy 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, Xoldy or A-Pay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Xoldy and A-Pay?
Xoldy lists 0 regions and 10 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 Xoldy and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Xoldy does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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