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PAYSTRAX

PAYSTRAX

Verified

EEA & UK merchants in iGaming, Forex and high-volume cross-border verticals needing a direct Visa/Mastercard acquirer

VS

Banking Circle

Financial Institution Infrastructure

Banking Circle
Fees from
— vs Per-transaction
Features

1 shared

4 unique to PAYSTRAX · 2 unique to Banking Circle
Regions

1 shared

1 unique to PAYSTRAX · 4 unique to Banking Circle
Pay methods

0 shared

6 unique to PAYSTRAX · 5 unique to Banking Circle
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
7 features · 11 payment methods · 6 regions. We don't rank these — they're here for reference.
PAYSTRAX PAYSTRAX
Banking Circle Banking Circle
Quick Facts
Fees
Standard transaction rate
—
Per-transaction
Settlement
Time to receive funds
2–3 business days
Instant to 2 business days
Founded
2018
2013
Headquarters
St Julian's, Malta
Luxembourg
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
PAYSTRAX leads (5 vs 3)
Enterprise
✓
✓
High Risk Accepted Unique
✓
—
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Mobile Payments Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods
PAYSTRAX leads (6 vs 5)
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Credit Card Unique
✓
—
Google Pay Unique
✓
—
Mastercard Unique
✓
—
Pos Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Swish Unique
—
✓
Virtual Account Unique
—
✓
Visa Unique
✓
—
Regions
Banking Circle leads (5 vs 2)
Asia Unique
—
✓
Europe
✓
✓
Global Unique
✓
—
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

PAYSTRAX is best when you...

EEA & UK merchants in iGaming, Forex and high-volume cross-border verticals needing a direct Visa/Mastercard acquirer
Need High Risk Accepted
Not available with Banking Circle
Need Mobile Payments
Not available with Banking Circle
Want coverage in Global
Banking Circle doesn't cover this region
View PAYSTRAX

Banking Circle is best when you...

Financial Institution Infrastructure
Need Instant Payout
Not available with PAYSTRAX
Need Low Fees
Not available with PAYSTRAX
Want coverage in Asia, North America, Oceania, Southeast Asia
PAYSTRAX doesn't cover these regions
View Banking Circle

Frequently Asked Questions

What is the difference between PAYSTRAX and Banking Circle?
They share 0 payment methods and 1 region. PAYSTRAX adds Apple Pay, Credit Card, Google Pay and 3 more that Banking Circle does not list; Banking Circle adds Bank Transfer, SEPA, SWIFT and 2 more that PAYSTRAX does not list; PAYSTRAX also covers Global; Banking Circle also covers Asia, North America and 2 more.
Which is cheaper, PAYSTRAX or Banking Circle?
PAYSTRAX has no published rate; 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 PAYSTRAX and Banking Circle?
PAYSTRAX lists 2 regions and 6 payment methods; Banking Circle lists 5 and 5. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PAYSTRAX and Banking Circle compare on integration and settlement?
Banking Circle offers a sandbox, PAYSTRAX does not list one; Banking Circle supports webhooks; PAYSTRAX settles in 2–3 business days, Banking Circle in Instant to 2 business days.

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