FIS

FIS

Enterprise banking and capital markets technology

VS

Banking Circle

Financial Institution Infrastructure

Banking Circle
Fees from
Custom vs Per-transaction
Features

1 shared

2 unique to Banking Circle
Regions

5 shared

1 unique to FIS
Pay methods

1 shared

13 unique to FIS · 4 unique to Banking Circle

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Show full specs
3 features · 18 payment methods · 6 regions. We don't rank these — they're here for reference.
FIS FIS
Banking Circle Banking Circle
Quick Facts
Fees
Standard transaction rate
Custom
Per-transaction
Settlement
Time to receive funds
1–2 business days
Instant to 2 business days
Founded
1968
2013
Headquarters
Jacksonville, Florida, United States
Luxembourg
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Banking Circle leads (3 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods
FIS leads (14 vs 5)
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Mastercard Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Swish Unique
—
✓
Virtual Account Unique
—
✓
Virtual Card Unique
✓
—
Visa Unique
✓
—
Regions
FIS leads (6 vs 5)
Asia
✓
✓
Europe
✓
✓
Latin America Unique
✓
—
North America
✓
✓
Oceania
✓
✓
Southeast Asia
✓
✓

FIS is best when you...

Enterprise banking and capital markets technology
Want coverage in Latin America
Banking Circle doesn't cover this region
View FIS

Banking Circle is best when you...

Financial Institution Infrastructure
Need Instant Payout
Not available with FIS
Need Low Fees
Not available with FIS
View Banking Circle

Frequently Asked Questions

What is the difference between FIS and Banking Circle?
They share 1 payment method and 5 regions. FIS adds ACH, Amex, Apple Pay and 10 more that Banking Circle does not list; Banking Circle adds SEPA, SWIFT, Swish and 1 more that FIS does not list; FIS also covers Latin America; only Banking Circle offers Instant Payout, Low Fees.
Which is cheaper, FIS or Banking Circle?
FIS has custom pricing quoted on engagement; Banking Circle has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use FIS and Banking Circle?
FIS lists 6 regions and 14 payment methods; Banking Circle lists 5 and 5. both cover Asia, Europe, North America and 2 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do FIS and Banking Circle compare on integration and settlement?
both offer a sandbox; both support webhooks; FIS settles in 1–2 business days, Banking Circle in Instant to 2 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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