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FIS

FIS

Enterprise banking and capital markets technology

VS

Fincra

African Payment Infrastructure

Fincra
Fees from
Custom vs 1%–3.5%
Features

0 shared

1 unique to FIS · 3 unique to Fincra
Regions

2 shared

4 unique to FIS · 1 unique to Fincra
Pay methods

5 shared

9 unique to FIS · 5 unique to Fincra
On payment methods

FIS supports 14 payment methods, 4 more than Fincra. Verify directly with each provider before signing.

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4 features · 19 payment methods · 7 regions. We don't rank these — they're here for reference.
FIS FIS
Fincra Fincra
Quick Facts
Fees
Standard transaction rate
Custom
1%–3.5%
Settlement
Time to receive funds
1–2 business days
Next business day
Founded
1968
2021
Headquarters
Jacksonville, Florida, United States
Lagos, Nigeria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Fincra leads (3 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
Instant Payout Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
FIS leads (14 vs 10)
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
M Pesa Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Usdc Unique
—
✓
Usdt Unique
—
✓
Virtual Account Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
FIS leads (6 vs 3)
Africa Unique
—
✓
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—
Southeast Asia Unique
✓
—

FIS is best when you...

Enterprise banking and capital markets technology
Need Enterprise
Not available with Fincra
Want coverage in Asia, Latin America, Oceania, Southeast Asia
Fincra doesn't cover these regions
View FIS

Fincra is best when you...

African Payment Infrastructure
Need Crypto Support
Not available with FIS
Need Instant Payout
Not available with FIS
Want coverage in Africa
FIS doesn't cover this region
View Fincra

Frequently Asked Questions

What is the difference between FIS and Fincra?
They share 5 payment methods and 2 regions. FIS adds ACH, Amex, Apple Pay and 6 more that Fincra does not list; Fincra adds M-Pesa, Mobile Money, USDC and 2 more that FIS does not list; FIS also covers Asia, Latin America and 2 more; Fincra also covers Africa.
Which is cheaper, FIS or Fincra?
FIS has custom pricing quoted on engagement; Fincra has published rates from 1%–3.5%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use FIS and Fincra?
FIS lists 6 regions and 14 payment methods; Fincra lists 3 and 10. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do FIS and Fincra compare on integration and settlement?
both offer a sandbox; both support webhooks; FIS settles in 1–2 business days, Fincra in Next business day.

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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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