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Komoju

Komoju

Japan & ASEAN E-Commerce Payments

VS

Banking Circle

Financial Institution Infrastructure

Banking Circle
Fees from
3.25%–4.5% + 0.25 BRL vs Per-transaction
Features

1 shared

1 unique to Komoju · 2 unique to Banking Circle
Regions

2 shared

3 unique to Banking Circle
Pay methods

1 shared

26 unique to Komoju · 4 unique to Banking Circle
On payment methods

Komoju supports 27 payment methods, 22 more than Banking Circle. Verify directly with each provider before signing.

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4 features · 31 payment methods · 5 regions. We don't rank these — they're here for reference.
Komoju Komoju
Banking Circle Banking Circle
Quick Facts
Fees
Standard transaction rate
3.25%–4.5% + 0.25 BRL
Per-transaction
Settlement
Time to receive funds
1–5 business days
Instant to 2 business days
Founded
2016
2013
Headquarters
Tokyo, Japan
Luxembourg
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Banking Circle leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
—
✓
Recurring Payments Unique
✓
—
Payment Methods
Komoju leads (27 vs 5)
Alipay Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Blik Unique
✓
—
Bnpl Unique
✓
—
Carrier Billing Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Diners Unique
✓
—
Eps Unique
✓
—
Fpx Unique
✓
—
Gcash Unique
✓
—
Giropay Unique
✓
—
Hipercard Unique
✓
—
Ideal Unique
✓
—
Jcb Unique
✓
—
Line Pay Unique
✓
—
Mastercard Unique
✓
—
Multibanco Unique
✓
—
Pix Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
✓
—
Swift Unique
—
✓
Swish Unique
—
✓
Unionpay Unique
✓
—
Virtual Account Unique
—
✓
Visa Unique
✓
—
Wechat Pay Unique
✓
—
Regions
Banking Circle leads (5 vs 2)
Asia
✓
✓
Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia
✓
✓

Komoju is best when you...

Japan & ASEAN E-Commerce Payments
Need Recurring Payments
Not available with Banking Circle
View Komoju

Banking Circle is best when you...

Financial Institution Infrastructure
Need Enterprise
Not available with Komoju
Need Low Fees
Not available with Komoju
Want coverage in Europe, North America, Oceania
Komoju doesn't cover these regions
View Banking Circle

Frequently Asked Questions

What is the difference between Komoju and Banking Circle?
They share 1 payment method and 2 regions. Komoju adds Alipay, Amex, Apple Pay and 23 more that Banking Circle does not list; Banking Circle adds SEPA, SWIFT, Swish and 1 more that Komoju does not list; Banking Circle also covers Europe, North America and 1 more; only Komoju offers Recurring Payments.
Which is cheaper, Komoju or Banking Circle?
Komoju has published rates from 3.25%–4.5% + 0.25 BRL; Banking Circle has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Komoju and Banking Circle?
Komoju lists 2 regions and 27 payment methods; Banking Circle lists 5 and 5. both cover Asia, Southeast Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Komoju and Banking Circle compare on integration and settlement?
both offer a sandbox; both support webhooks; Komoju settles in 1–5 business days, Banking Circle in Instant to 2 business days.

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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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