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ifthenpay

ifthenpay

Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.

VS

Carat (Fiserv)

Enterprise Commerce Platform

Carat (Fiserv)
Fees from
Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies. vs Custom
Features

0 shared

1 unique to Carat (Fiserv)
Regions

0 shared

3 unique to Carat (Fiserv)
Pay methods

5 shared

3 unique to ifthenpay · 9 unique to Carat (Fiserv)
On fees

ifthenpay publishes Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies. from. Carat (Fiserv) uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
1 features · 17 payment methods · 3 regions. We don't rank these — they're here for reference.
ifthenpay ifthenpay
Carat (Fiserv) Carat (Fiserv)
Quick Facts
Fees
Standard transaction rate
Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.
Custom
Settlement
Time to receive funds
Receive the paid amounts daily, minus commissions
—
Founded
—
2021
Headquarters
—
United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Carat (Fiserv) leads (1 vs 0)
Enterprise Unique
—
✓
Payment Methods
Carat (Fiserv) leads (14 vs 8)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Bnpl Unique
—
✓
Contactless Unique
—
✓
Direct Debit
✓
✓
Google Pay
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Multibanco Unique
✓
—
Paypal Unique
—
✓
Pix Unique
✓
—
Samsung Pay Unique
—
✓
Venmo Unique
—
✓
Visa
✓
✓
Regions
Carat (Fiserv) leads (3 vs 0)
Asia Unique
—
✓
Europe Unique
—
✓
North America Unique
—
✓

ifthenpay is best when you...

Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.
View ifthenpay

Carat (Fiserv) is best when you...

Enterprise Commerce Platform
Need Enterprise
Not available with ifthenpay
Want coverage in Asia, Europe, North America
ifthenpay doesn't cover these regions
View Carat (Fiserv)

Frequently Asked Questions

What is the difference between ifthenpay and Carat (Fiserv)?
They share 5 payment methods and 0 regions. ifthenpay adds MB WAY, Multibanco, PIX that Carat (Fiserv) does not list; Carat (Fiserv) adds ACH, Amex, Bank Transfer and 6 more that ifthenpay does not list; Carat (Fiserv) also covers Asia, Europe and 1 more; only Carat (Fiserv) offers Enterprise.
Which is cheaper, ifthenpay or Carat (Fiserv)?
ifthenpay has published rates from Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.; Carat (Fiserv) has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use ifthenpay and Carat (Fiserv)?
ifthenpay lists 0 regions and 8 payment methods; Carat (Fiserv) lists 3 and 14. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do ifthenpay and Carat (Fiserv) compare on integration and settlement?
Carat (Fiserv) offers a sandbox, ifthenpay does not list one; Carat (Fiserv) supports webhooks; ifthenpay publishes a settlement time of Receive the paid amounts daily, minus commissions.

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