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Incard

Incard

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

VS

FIS

Enterprise banking and capital markets technology

FIS
Fees from
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%. vs Custom
Features

0 shared

1 unique to FIS
Regions

0 shared

6 unique to FIS
Pay methods

5 shared

3 unique to Incard · 9 unique to FIS
On fees

Incard publishes Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%. from. FIS 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 · 6 regions. We don't rank these — they're here for reference.
Incard Incard
FIS FIS
Quick Facts
Fees
Standard transaction rate
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
1968
Headquarters
—
Jacksonville, Florida, United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
FIS leads (1 vs 0)
Enterprise Unique
—
✓
Payment Methods
FIS leads (14 vs 8)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Corporate Card Unique
✓
—
Credit Card Unique
—
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card
✓
✓
Visa
✓
✓
Regions
FIS leads (6 vs 0)
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Incard is best when you...

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.
View Incard

FIS is best when you...

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

Frequently Asked Questions

What is the difference between Incard and FIS?
They share 5 payment methods and 0 regions. Incard adds Corporate Card, SWIFT, Virtual Account that FIS does not list; FIS adds ACH, Amex, Contactless and 6 more that Incard does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, Incard or FIS?
Incard has published rates from Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.; FIS 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 Incard and FIS?
Incard lists 0 regions and 8 payment methods; FIS lists 6 and 14. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Incard and FIS compare on integration and settlement?
FIS offers a sandbox, Incard does not list one; FIS supports webhooks; FIS publishes a settlement time of 1–2 business days.

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