Menu

Discover

All Providers Compare Use Cases Find Your Provider

Solutions

License Watch MCP Partnership Claim Listing

Resources

Blog About Contact
Log in Join free
Yoco

Yoco

South African SMEs

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
2.95% vs Custom
Features

1 shared

4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

3 shared

3 unique to Yoco · 15 unique to A-Pay
On fees

Yoco publishes 2.95% from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

Want a personalized shortlist? Get matched
2-minute quiz

Still deciding? Find your perfect match.

Answer a few questions about your business type, volume, and must-have features. We'll recommend the best provider for your specific needs.

Find my match

Free. Takes 2 minutes. No account required.

For developers · MCP

Tired of clicking around? Use our MCP.

Point Claude, ChatGPT, or Cursor at our endpoint. compare_providers returns the same data — in one tool call. Free preview, no API key.

See how it works
Show full specs
5 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
Yoco Yoco
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
2.95%
Custom
Settlement
Time to receive funds
2 business days
1–2 business days
Founded
2013
2021
Headquarters
Cape Town, South Africa
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 1)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (18 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Crypto Unique
—
✓
Diners Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Mobile Payment Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Yoco is best when you...

South African SMEs
View Yoco

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Yoco and A-Pay?
Yoco is best for South African SMEs, while A-Pay is best for Global Multi-Currency Payment Gateway. Yoco charges 2.95% and A-Pay charges custom pricing. They differ in supported features, regions, and payment methods.
Which is cheaper, Yoco or A-Pay?
Yoco charges 2.95% while A-Pay charges custom pricing. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Yoco and A-Pay together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Yoco and A-Pay can complement each other.
How do Yoco and A-Pay differ in their focus?
Yoco is focused on South African SMEs, while A-Pay focuses on Global Multi-Currency Payment Gateway. They serve different market segments with different strengths.

Are you Yoco or A-Pay?

Claim your profile to update information, respond to comparisons, and access visitor analytics.

Claim this profile
Compare Other Providers

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.

See something wrong? Report inaccurate info →

PaymentProviders.io

The open directory of payment providers, gateways and processors. Helping merchants find, platforms integrate, and providers grow.

© 2026 EJ Tech AB · Arboga, Sweden · Org.nr 559470-0154

PaymentProviders.io is operated by EJ Tech AB and is not affiliated with or endorsed by any listed provider; third-party logos and trademarks belong to their respective owners.

Disclaimer: provider information is compiled from public sources and automated research, and only listings marked as claimed are maintained by the provider itself. We work hard to keep this data complete, accurate and useful, but we cannot verify every detail and accept no liability for errors or omissions. Always confirm terms directly with the provider. Spotted something wrong? Tell us — providers can claim their listing.