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Zettle

Zettle

EU retail

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
1.75% per transaction (EU) vs Custom
Features

1 shared

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

2 shared

4 unique to A-Pay
Pay methods

5 shared

3 unique to Zettle · 14 unique to A-Pay

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Show full specs
6 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Zettle Zettle
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
1.75% per transaction (EU)
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
2010
2021
Headquarters
Stockholm, Sweden
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 8)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Swish Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Zettle is best when you...

EU retail
Need Low Fees
Not available with A-Pay
View Zettle

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Zettle and A-Pay?
They share 5 payment methods and 2 regions. Zettle adds Contactless, Diners Club, Swish that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that Zettle does not list; A-Pay also covers Africa, Asia and 2 more; only Zettle offers Low Fees.
Which is cheaper, Zettle or A-Pay?
Zettle has published rates from 1.75% per transaction (EU); 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 Zettle and A-Pay?
Zettle lists 2 regions and 8 payment methods; A-Pay lists 6 and 19. both cover Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zettle and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Zettle settles in Next business day, 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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