AccessPay vs Primer

AccessPay connects business finance and back-office systems to banks for payments, collections, and bank statement retrieval. It supports Bacs, Faster Payments, CHAPS, SWIFT, SEPA, and Direct Debit collections, and says it connects finance applications with more than 11,000 banks worldwide. ERP, payroll, and other back-office systems can connect through SWIFT, Host-to-Host, EBICS, sFTP, or API. Its file transformation engine handles formats including CSV, Standard18, and PAIN, as well as less common formats. Fraud and error controls include payment screening, beneficiary checking, sanctions screening, and Confirmation of Payee capabilities. Security measures listed include masked and encrypted transaction data, MFA or SSO login, user access controls, segregation of duties, and audit trails. The platform does not cap transaction count or value, though payment schemes may set their own value limits. Pricing is on request and depends on estimated annual transaction volumes, users, and required configurations and workflows. Initial setup carries a one-time professional services fee of 25%; bank fees are separate.

Primer is cloud-based payments infrastructure for merchants, bringing payment services together through a single interface and API for building and managing a payment stack. Configurable checkout can present local and alternative payment methods. Tools for payment performance include dynamic routing, Fallbacks, adaptive 3D Secure, and network tokens. For operations, Primer offers observability, monitors, reconciliation, a costs overview, and global accounts. Its no-code workflows are intended to let businesses activate services and expand into markets without waiting for engineering work. The integrations directory lists processors and methods such as Adyen, 2C2P, ACH, Affirm, Afterpay, and Airwallex, though Primer says it may not include every provider. Supported payment channels include card payments, digital wallets, bank transfers, account-to-account payments, and buy now pay later. Primer is available on Android, iOS, web, and through an API. It describes its customers as merchants in travel, fintech, platforms, retail, and entertainment. Primer was founded in 2020. Pricing is tailored to each business and available on request.