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Fincra

Fincra

African Payment Infrastructure

VS

FastSpring

Software & Digital Product Sales

FastSpring
Fees from
1%–3.5% vs 8.9% per transaction (includes all payment processing + tax handling)
Features

1 shared

2 unique to Fincra · 3 unique to FastSpring
Regions

3 shared

4 unique to FastSpring
Pay methods

5 shared

5 unique to Fincra · 14 unique to FastSpring
On fees

Fincra publishes 1%–3.5% from. FastSpring publishes 8.9% per transaction (includes all payment processing + tax handling) from. Verify directly with each provider before signing.

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Show full specs
6 features · 24 payment methods · 7 regions. We don't rank these — they're here for reference.
Fincra Fincra
FastSpring FastSpring
Quick Facts
Fees
Standard transaction rate
1%–3.5%
8.9% per transaction (includes all payment processing + tax handling)
Settlement
Time to receive funds
Next business day
30 business days
Founded
2021
2005
Headquarters
Lagos, Nigeria
Santa Barbara, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
FastSpring leads (4 vs 3)
Crypto Support Unique
✓
—
Enterprise Unique
—
✓
Instant Payout Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Virtual Items Unique
—
✓
Payment Methods
FastSpring leads (19 vs 10)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
M Pesa Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Unionpay Unique
—
✓
Upi Unique
—
✓
Usdc Unique
✓
—
Usdt Unique
✓
—
Virtual Account Unique
✓
—
Visa
✓
✓
Regions
FastSpring leads (7 vs 3)
Africa
✓
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Fincra is best when you...

African Payment Infrastructure
Need Crypto Support
Not available with FastSpring
Need Instant Payout
Not available with FastSpring
View Fincra

FastSpring is best when you...

Software & Digital Product Sales
Need Enterprise
Not available with Fincra
Need Recurring Payments
Not available with Fincra
Want coverage in Asia, Latin America, Middle East, Oceania
Fincra doesn't cover these regions
View FastSpring

Frequently Asked Questions

What is the difference between Fincra and FastSpring?
They share 5 payment methods and 3 regions. Fincra adds M-Pesa, Mobile Money, USDC and 2 more that FastSpring does not list; FastSpring adds ACH, Alipay, Amex and 11 more that Fincra does not list; FastSpring also covers Asia, Latin America and 2 more; only Fincra offers Crypto Support, Instant Payout.
Which is cheaper, Fincra or FastSpring?
Fincra has published rates from 1%–3.5%; FastSpring has published rates from 8.9% per transaction (includes all payment processing + tax handling). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Fincra and FastSpring?
Fincra lists 3 regions and 10 payment methods; FastSpring lists 7 and 19. both cover Africa, Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Fincra and FastSpring compare on integration and settlement?
both offer a sandbox; both support webhooks; Fincra settles in Next business day, FastSpring in 30 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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