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IPU (Interpaylink)

IPU (Interpaylink)

Importers/exporters, e-commerce businesses, SMEs and international companies that need a European IBAN business account with SEPA/SWIFT payments and multi-currency FX.

VS

FIS

Enterprise banking and capital markets technology

FIS
Fees from
Corporate (LT / EEA + UK / International / Compliance-intensive industries): Account Activation Fee €50 / €100 / €199 / application fee required; Monthly Maintenance – Main Account €5 / €10 / €10 / €50; Monthly Maintenance – MultiCurrency+ €10 / €10 / €30 / €50; Internal Transfer FREE; Incoming SEPA FREE / 0.2%, Min €10 / 0.3%, Min €20 / 0.3%, Min €50; Outgoing SEPA 0.05%, Min €2 / 0.1%, Min €5 / 0.1%, Min €10 / 0.15%, Min €30; SEPA Instant Free upgrade; Incoming International Payment 0.15%, Min €30 / 0.2%, Min €30 / 0.3%, Min €30 / 0.3%, Min €70; Outgoing International Payment 0.1%, Min €30 (0.25%, Min €50 compliance-intensive); CNY Fastpay 0.1%, Min €30; Currency Exchange System rate; Application Fee FREE (€1,099 compliance-intensive). vs Custom
Features

0 shared

1 unique to FIS
Regions

0 shared

6 unique to FIS
Pay methods

0 shared

3 unique to IPU (Interpaylink) · 14 unique to FIS
On fees

IPU (Interpaylink) publishes Corporate (LT / EEA + UK / International / Compliance-intensive industries): Account Activation Fee €50 / €100 / €199 / application fee required; Monthly Maintenance – Main Account €5 / €10 / €10 / €50; Monthly Maintenance – MultiCurrency+ €10 / €10 / €30 / €50; Internal Transfer FREE; Incoming SEPA FREE / 0.2%, Min €10 / 0.3%, Min €20 / 0.3%, Min €50; Outgoing SEPA 0.05%, Min €2 / 0.1%, Min €5 / 0.1%, Min €10 / 0.15%, Min €30; SEPA Instant Free upgrade; Incoming International Payment 0.15%, Min €30 / 0.2%, Min €30 / 0.3%, Min €30 / 0.3%, Min €70; Outgoing International Payment 0.1%, Min €30 (0.25%, Min €50 compliance-intensive); CNY Fastpay 0.1%, Min €30; Currency Exchange System rate; Application Fee FREE (€1,099 compliance-intensive). from. FIS uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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1 features · 17 payment methods · 6 regions. We don't rank these — they're here for reference.
IPU (Interpaylink) IPU (Interpaylink)
FIS FIS
Quick Facts
Fees
Standard transaction rate
Corporate (LT / EEA + UK / International / Compliance-intensive industries): Account Activation Fee €50 / €100 / €199 / application fee required; Monthly Maintenance – Main Account €5 / €10 / €10 / €50; Monthly Maintenance – MultiCurrency+ €10 / €10 / €30 / €50; Internal Transfer FREE; Incoming SEPA FREE / 0.2%, Min €10 / 0.3%, Min €20 / 0.3%, Min €50; Outgoing SEPA 0.05%, Min €2 / 0.1%, Min €5 / 0.1%, Min €10 / 0.15%, Min €30; SEPA Instant Free upgrade; Incoming International Payment 0.15%, Min €30 / 0.2%, Min €30 / 0.3%, Min €30 / 0.3%, Min €70; Outgoing International Payment 0.1%, Min €30 (0.25%, Min €50 compliance-intensive); CNY Fastpay 0.1%, Min €30; Currency Exchange System rate; Application Fee FREE (€1,099 compliance-intensive).
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 3)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions
FIS leads (6 vs 0)
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

IPU (Interpaylink) is best when you...

Importers/exporters, e-commerce businesses, SMEs and international companies that need a European IBAN business account with SEPA/SWIFT payments and multi-currency FX.
View IPU (Interpaylink)

FIS is best when you...

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

Frequently Asked Questions

What is the difference between IPU (Interpaylink) and FIS?
They share 0 payment methods and 0 regions. IPU (Interpaylink) adds SEPA, SEPA Instant, SWIFT that FIS does not list; FIS adds ACH, Amex, Apple Pay and 11 more that IPU (Interpaylink) does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, IPU (Interpaylink) or FIS?
IPU (Interpaylink) has published rates from Corporate (LT / EEA + UK / International / Compliance-intensive industries): Account Activation Fee €50 / €100 / €199 / application fee required; Monthly Maintenance – Main Account €5 / €10 / €10 / €50; Monthly Maintenance – MultiCurrency+ €10 / €10 / €30 / €50; Internal Transfer FREE; Incoming SEPA FREE / 0.2%, Min €10 / 0.3%, Min €20 / 0.3%, Min €50; Outgoing SEPA 0.05%, Min €2 / 0.1%, Min €5 / 0.1%, Min €10 / 0.15%, Min €30; SEPA Instant Free upgrade; Incoming International Payment 0.15%, Min €30 / 0.2%, Min €30 / 0.3%, Min €30 / 0.3%, Min €70; Outgoing International Payment 0.1%, Min €30 (0.25%, Min €50 compliance-intensive); CNY Fastpay 0.1%, Min €30; Currency Exchange System rate; Application Fee FREE (€1,099 compliance-intensive).; 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 IPU (Interpaylink) and FIS?
IPU (Interpaylink) lists 0 regions and 3 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 IPU (Interpaylink) and FIS compare on integration and settlement?
FIS offers a sandbox, IPU (Interpaylink) does not list one; FIS supports webhooks; FIS publishes a settlement time of 1–2 business days.

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