Rapyd
Fintech Infrastructure
VS
CentralPay
French and European e-commerce businesses, SaaS/subscription companies, invoice-collecting firms and marketplaces that want cards, instant transfers, Pay by Bank and SEPA Direct Debit from a single ACPR-regulated provider.
Fees from
Custom vs Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.
Features
0 shared
3 unique to Rapyd
Regions
0 shared
5 unique to Rapyd
Pay methods
3 shared
4 unique to Rapyd · 6 unique to CentralPay
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 3 features · 13 payment methods · 5 regions. We
don't rank these — they're here for reference.
Show full specs
3 features · 13 payment methods · 5 regions. We
don't rank these — they're here for reference.
Rapyd CentralPayQuick Facts
Fees
Standard transaction rate
Custom
Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.
Settlement
Time to receive funds
Varies by country and payment method
—
Founded
2015
—
Headquarters
London, United Kingdom
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features Rapyd leads (3 vs 0)
Rapyd leads (3 vs 0)Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Payment Methods CentralPay leads (9 vs 7)
CentralPay leads (9 vs 7)Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Cartes Bancaires Unique
—
✓
Cash Payment Unique
✓
—
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Mastercard
✓
✓
Open Banking Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sepa Instant Unique
—
✓
Stablecoin Unique
✓
—
Visa
✓
✓
Regions Rapyd leads (5 vs 0)
Rapyd leads (5 vs 0)Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—
North America Unique
✓
—
Rapyd is best when you...
Fintech Infrastructure
Need Crypto Support
Not available with CentralPay
Need Enterprise
Not available with CentralPay
Want coverage in Africa, Asia, Europe, Latin America, North America
CentralPay doesn't cover these regions
CentralPay is best when you...
French and European e-commerce businesses, SaaS/subscription companies, invoice-collecting firms and marketplaces that want cards, instant transfers, Pay by Bank and SEPA Direct Debit from a single ACPR-regulated provider.
Frequently Asked Questions
What is the difference between Rapyd and CentralPay?
They share 3 payment methods and 0 regions. Rapyd adds Bank Transfer, Cash Payment, Digital Wallet and 1 more that CentralPay does not list; CentralPay adds Apple Pay, Cartes Bancaires, Google Pay and 3 more that Rapyd does not list; Rapyd also covers Africa, Asia and 3 more; only Rapyd offers Crypto Support, Enterprise and 1 more.
Which is cheaper, Rapyd or CentralPay?
Rapyd has custom pricing quoted on engagement; CentralPay has published rates from Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Rapyd and CentralPay?
Rapyd lists 5 regions and 7 payment methods; CentralPay lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Rapyd and CentralPay compare on integration and settlement?
Rapyd offers a sandbox, CentralPay does not list one; Rapyd supports webhooks; Rapyd publishes a settlement time of Varies by country and payment method.
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