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ZaloPay

ZaloPay

Vietnamese e-wallet

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1% - 2% vs Custom
Features

1 shared

1 unique to ZaloPay · 4 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

3 shared

1 unique to ZaloPay · 16 unique to A-Pay
On settlement

ZaloPay settles in 1–2 business days; A-Pay settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
6 features · 20 payment methods · 6 regions. We don't rank these — they're here for reference.
ZaloPay ZaloPay
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1% - 2%
Custom
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2017
2021
Headquarters
Ho Chi Minh City, Vietnam
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
A-Pay leads (19 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

ZaloPay is best when you...

Vietnamese e-wallet
Need Low Fees
Not available with A-Pay
View ZaloPay

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between ZaloPay and A-Pay?
They share 3 payment methods and 1 region. ZaloPay adds QR Code that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that ZaloPay does not list; A-Pay also covers Africa, Europe and 3 more; only ZaloPay offers Low Fees.
Which is cheaper, ZaloPay or A-Pay?
ZaloPay has published rates from 1% - 2%; 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 ZaloPay and A-Pay?
ZaloPay lists 1 region and 4 payment methods; A-Pay lists 6 and 19. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do ZaloPay and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; ZaloPay 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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