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iPaymu

iPaymu

Indonesian SME Payments

VS

Carat (Fiserv)

Enterprise Commerce Platform

Carat (Fiserv)
Fees from
From 2% per transaction vs Custom
Features

0 shared

2 unique to iPaymu · 1 unique to Carat (Fiserv)
Regions

0 shared

1 unique to iPaymu · 3 unique to Carat (Fiserv)
Pay methods

3 shared

4 unique to iPaymu · 11 unique to Carat (Fiserv)
On fees

iPaymu publishes From 2% per transaction from. Carat (Fiserv) uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
3 features · 18 payment methods · 4 regions. We don't rank these — they're here for reference.
iPaymu iPaymu
Carat (Fiserv) Carat (Fiserv)
Quick Facts
Fees
Standard transaction rate
From 2% per transaction
Custom
Settlement
Time to receive funds
Same day
—
Founded
2012
2021
Headquarters
Jakarta, Indonesia
United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
iPaymu leads (2 vs 1)
Enterprise Unique
—
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Carat (Fiserv) leads (14 vs 7)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Bnpl
✓
✓
Cash Unique
✓
—
Contactless Unique
—
✓
Credit Card Unique
✓
—
Direct Debit
✓
✓
Google Pay Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal Unique
—
✓
Qr Code Unique
✓
—
Samsung Pay Unique
—
✓
Venmo Unique
—
✓
Virtual Account Unique
✓
—
Visa Unique
—
✓
Regions
Carat (Fiserv) leads (3 vs 1)
Asia Unique
—
✓
Europe Unique
—
✓
North America Unique
—
✓
Southeast Asia Unique
✓
—

iPaymu is best when you...

Indonesian SME Payments
Need Recurring Payments
Not available with Carat (Fiserv)
Need Startup Friendly
Not available with Carat (Fiserv)
Want coverage in Southeast Asia
Carat (Fiserv) doesn't cover this region
View iPaymu

Carat (Fiserv) is best when you...

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

Frequently Asked Questions

What is the difference between iPaymu and Carat (Fiserv)?
They share 3 payment methods and 0 regions. iPaymu adds Cash, Credit Card, QR Code and 1 more that Carat (Fiserv) does not list; Carat (Fiserv) adds ACH, Amex, Apple Pay and 8 more that iPaymu does not list; iPaymu also covers Southeast Asia; Carat (Fiserv) also covers Asia, Europe and 1 more.
Which is cheaper, iPaymu or Carat (Fiserv)?
iPaymu has published rates from From 2% per transaction; 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 iPaymu and Carat (Fiserv)?
iPaymu lists 1 region and 7 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 iPaymu and Carat (Fiserv) compare on integration and settlement?
both offer a sandbox; both support webhooks; iPaymu publishes a settlement time of Same 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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