Railor
Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.
VS
FIS
Enterprise banking and capital markets technology
Fees from
Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000. vs Custom
Features
0 shared
1 unique to FIS
Regions
0 shared
6 unique to FIS
Pay methods
0 shared
3 unique to Railor · 14 unique to FIS
On settlement
Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.
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Show full specs 1 features · 17 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
1 features · 17 payment methods · 6 regions. We
don't rank these — they're here for reference.
Railor FISQuick Facts
Fees
Standard transaction rate
Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.
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)
FIS leads (1 vs 0)Enterprise Unique
—
✓
Payment Methods FIS leads (14 vs 3)
FIS leads (14 vs 3)Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Chaps Unique
✓
—
Contactless Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions FIS leads (6 vs 0)
FIS leads (6 vs 0)Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓
Railor is best when you...
Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.
FIS is best when you...
Enterprise banking and capital markets technology
Need Enterprise
Not available with Railor
Want coverage in Asia, Europe, Latin America, North America, Oceania, Southeast Asia
Railor doesn't cover these regions
Frequently Asked Questions
What is the difference between Railor and FIS?
They share 0 payment methods and 0 regions. Railor adds CHAPS, SEPA, SWIFT that FIS does not list; FIS adds ACH, Amex, Apple Pay and 11 more that Railor does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, Railor or FIS?
Railor has published rates from Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.; 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 Railor and FIS?
Railor 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 Railor and FIS compare on integration and settlement?
FIS offers a sandbox, Railor does not list one; FIS supports webhooks; FIS publishes a settlement time of 1–2 business days.
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