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Lunu

Lunu

Crypto POS Payments

VS

Fipto

PSPs, crypto brokers and enterprises that want to send, receive and convert EUR, USD and stablecoin payments under a European PI and MiCA CASP licence.

Fipto
Fees from
1% per transaction vs Payment Links — Beneficiary: Free (0% transaction fees, 0% withdrawal fees); Payer: 0.9% / transaction (discounts available based on transaction volume; contact sales for more information)
Features

0 shared

3 unique to Lunu
Regions

0 shared

2 unique to Lunu
Pay methods

3 shared

1 unique to Lunu · 5 unique to Fipto
On payment methods

Fipto supports 8 payment methods, 4 more than Lunu. Verify directly with each provider before signing.

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Show full specs
3 features · 9 payment methods · 2 regions. We don't rank these — they're here for reference.
Lunu Lunu
Fipto Fipto
Quick Facts
Fees
Standard transaction rate
1% per transaction
Payment Links — Beneficiary: Free (0% transaction fees, 0% withdrawal fees); Payer: 0.9% / transaction (discounts available based on transaction volume; contact sales for more information)
Settlement
Time to receive funds
Instant
Near-instant
Founded
2019
—
Headquarters
Tallinn, Estonia
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Lunu leads (3 vs 0)
Crypto Support Unique
✓
—
High Risk Accepted Unique
✓
—
Low Fees Unique
✓
—
Payment Methods
Fipto leads (8 vs 4)
Bitcoin
✓
✓
Ethereum
✓
✓
Payment Link Unique
—
✓
Sepa Unique
—
✓
Solana Unique
—
✓
Stablecoin
✓
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Usdt Unique
✓
—
Regions
Lunu leads (2 vs 0)
Europe Unique
✓
—
North America Unique
✓
—

Lunu is best when you...

Crypto POS Payments
Need Crypto Support
Not available with Fipto
Need High Risk Accepted
Not available with Fipto
Want coverage in Europe, North America
Fipto doesn't cover these regions
View Lunu

Fipto is best when you...

PSPs, crypto brokers and enterprises that want to send, receive and convert EUR, USD and stablecoin payments under a European PI and MiCA CASP licence.
View Fipto

Frequently Asked Questions

What is the difference between Lunu and Fipto?
They share 3 payment methods and 0 regions. Lunu adds USDT that Fipto does not list; Fipto adds Payment Link, SEPA, Solana and 2 more that Lunu does not list; Lunu also covers Europe, North America; only Lunu offers Crypto Support, High Risk Accepted and 1 more.
Which is cheaper, Lunu or Fipto?
Lunu has published rates from 1% per transaction; Fipto has published rates from Payment Links — Beneficiary: Free (0% transaction fees, 0% withdrawal fees); Payer: 0.9% / transaction (discounts available based on transaction volume; contact sales for more information). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Lunu and Fipto?
Lunu lists 2 regions and 4 payment methods; Fipto lists 0 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Lunu and Fipto compare on integration and settlement?
Lunu offers a sandbox, Fipto does not list one; Lunu supports webhooks; Lunu settles in Instant, Fipto in Near-instant.

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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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