Zevoy
Companies in Finland and other served European markets that want employee Visa company cards, subscription cards and benefit cards with expense automation, plus Finnish benefit service providers that want to accept Zevoy Benefit cards without paying Zevoy fees.
VS
A-Pay
Global Multi-Currency Payment Gateway
Fees from
Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards. vs Custom
Features
0 shared
5 unique to A-Pay
Regions
0 shared
6 unique to A-Pay
Pay methods
3 shared
3 unique to Zevoy · 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 · 22 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
5 features · 22 payment methods · 6 regions. We
don't rank these — they're here for reference.
Zevoy A-PayQuick Facts
Fees
Standard transaction rate
Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards.
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)
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 6)
A-Pay leads (19 vs 6)Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Corporate Card Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Prepaid Card Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions A-Pay leads (6 vs 0)
A-Pay leads (6 vs 0)Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓
Zevoy is best when you...
Companies in Finland and other served European markets that want employee Visa company cards, subscription cards and benefit cards with expense automation, plus Finnish benefit service providers that want to accept Zevoy Benefit cards without paying Zevoy fees.
A-Pay is best when you...
Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Zevoy
Need High Risk Accepted
Not available with Zevoy
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Zevoy doesn't cover these regions
Frequently Asked Questions
What is the difference between Zevoy and A-Pay?
They share 3 payment methods and 0 regions. Zevoy adds Corporate Card, Prepaid Card, Virtual Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 13 more that Zevoy 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, Zevoy or A-Pay?
Zevoy has published rates from Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards.; 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 Zevoy and A-Pay?
Zevoy lists 0 regions and 6 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 Zevoy and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Zevoy does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.
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