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Zip

Zip

Omnichannel BNPL

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

2 unique to Zip · 6 unique to A-Pay
Pay methods

1 shared

2 unique to Zip · 18 unique to A-Pay
On licensing

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Show full specs
5 features · 21 payment methods · 8 regions. We don't rank these — they're here for reference.
Zip Zip
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2013
2021
Headquarters
Sydney, Australia
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 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Zip is best when you...

Omnichannel BNPL
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Zip

A-Pay is best when you...

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

Frequently Asked Questions

What is the difference between Zip and A-Pay?
They share 1 payment method and 0 regions. Zip adds Buy Now Pay Later, Debit Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Zip does not list; Zip also covers North America, Oceania; A-Pay also covers Africa, Asia and 4 more.
Which is cheaper, Zip 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 Zip and A-Pay?
Zip lists 2 regions and 3 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 Zip and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Zip settles in Same day, A-Pay in 1–2 business days.

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