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Fipto

Fipto

PSPs, crypto brokers and enterprises that want to send, receive and convert EUR, USD and stablecoin payments under a European PI and MiCA CASP licence.

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
Payment Links — Beneficiary: Free (0% transaction fees, 0% withdrawal fees); Payer: 0.9% / transaction (discounts available based on transaction volume; contact sales for more information) vs Interchange + 1%–2% + €0.3
Features

0 shared

9 unique to CatalystPay
Regions

0 shared

5 unique to CatalystPay
Pay methods

1 shared

7 unique to Fipto · 11 unique to CatalystPay
On region

CatalystPay covers 5 regions; Fipto covers 0. Verify directly with each provider before signing.

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9 features · 19 payment methods · 5 regions. We don't rank these — they're here for reference.
Fipto Fipto
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
Payment Links — Beneficiary: Free (0% transaction fees, 0% withdrawal fees); Payer: 0.9% / transaction (discounts available based on transaction volume; contact sales for more information)
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
Near-instant
5–7 business days
Founded
—
2019
Headquarters
—
Belfast, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
CatalystPay leads (9 vs 0)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted Unique
—
✓
Low Fees Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 8)
Apple Pay Unique
—
✓
Bitcoin
✓
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Direct Debit Unique
—
✓
Ethereum Unique
✓
—
Google Pay Unique
—
✓
Lightning Network Unique
—
✓
Mastercard Unique
—
✓
Payment Link Unique
✓
—
Sepa Unique
✓
—
Sepa Direct Debit Unique
—
✓
Solana Unique
✓
—
Stablecoin Unique
✓
—
Swift Unique
✓
—
Unionpay Unique
—
✓
Usdc Unique
✓
—
Visa Unique
—
✓
Regions
CatalystPay leads (5 vs 0)
Europe Unique
—
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Southeast Asia Unique
—
✓

Fipto is best when you...

PSPs, crypto brokers and enterprises that want to send, receive and convert EUR, USD and stablecoin payments under a European PI and MiCA CASP licence.
View Fipto

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with Fipto
Need Enterprise
Not available with Fipto
Want coverage in Europe, Global, Middle East, North America, Southeast Asia
Fipto doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between Fipto and CatalystPay?
They share 1 payment method and 0 regions. Fipto adds Ethereum, Payment Link, SEPA and 4 more that CatalystPay does not list; CatalystPay adds Apple Pay, Cartes Bancaires, Credit Card and 8 more that Fipto does not list; CatalystPay also covers Europe, Global and 3 more; only CatalystPay offers Crypto Support, Enterprise and 7 more.
Which is cheaper, Fipto or CatalystPay?
Fipto has published rates from Payment Links — Beneficiary: Free (0% transaction fees, 0% withdrawal fees); Payer: 0.9% / transaction (discounts available based on transaction volume; contact sales for more information); CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Fipto and CatalystPay?
Fipto lists 0 regions and 8 payment methods; CatalystPay lists 5 and 12. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Fipto and CatalystPay compare on integration and settlement?
CatalystPay offers a sandbox, Fipto does not list one; CatalystPay supports webhooks; Fipto settles in Near-instant, CatalystPay in 5–7 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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