Recharge Payments vs FNMPAY — Lowest fees

Recharge Payments

E-Commerce Subscription Management

FNMPAY

Transport and mobility operators, particularly companies in the FNM Group, that need card acceptance and EMV transit payment handling.

Fees from

1.34%–1.49% + $99 vs —

Features

0 shared

2 unique to Recharge Payments

Regions

0 shared

2 unique to Recharge Payments

Pay methods

4 shared

1 unique to Recharge Payments · 7 unique to FNMPAY

On fees

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

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Show full specs

2 features · 12 payment methods · 2 regions. We don't rank these — they're here for reference.

Recharge Payments

FNMPAY

Quick Facts

Fees

Standard transaction rate

1.34%–1.49% + $99

—

Settlement

Time to receive funds

Via payment processor (Stripe/Braintree)

—

Founded

2014

—

Headquarters

Santa Monica, California

—

Sandbox / Test Mode

✓

—

Webhook Support

✓

—

Features

Recharge Payments leads (2 vs 0)

Recurring Payments Unique

✓

—

Startup Friendly Unique

✓

—

Payment Methods

FNMPAY leads (11 vs 5)

Amex Unique

—

✓

Apple Pay

✓

Contactless Unique

—

✓

Credit Card

✓

Debit Card

✓

Google Pay

✓

Maestro Unique

—

✓

Mastercard Unique

—

✓

Nfc Unique

—

✓

Paypal Unique

✓

—

Prepaid Card Unique

—

✓

Visa Unique

—

✓

Regions

Recharge Payments leads (2 vs 0)

Europe Unique

✓

—

North America Unique

✓

—

Recharge Payments is best when you...

E-Commerce Subscription Management

Need Recurring Payments

Not available with FNMPAY

Need Startup Friendly

Not available with FNMPAY

Want coverage in Europe, North America

FNMPAY doesn't cover these regions

View Recharge Payments

FNMPAY is best when you...

Transport and mobility operators, particularly companies in the FNM Group, that need card acceptance and EMV transit payment handling.

View FNMPAY

Frequently Asked Questions

What is the difference between Recharge Payments and FNMPAY?

They share 4 payment methods and 0 regions. Recharge Payments adds PayPal that FNMPAY does not list; FNMPAY adds Amex, Contactless, Maestro and 4 more that Recharge Payments does not list; Recharge Payments also covers Europe, North America; only Recharge Payments offers Recurring Payments, Startup Friendly.

Which is cheaper, Recharge Payments or FNMPAY?

Recharge Payments has published rates from 1.34%–1.49% + $99; FNMPAY has no published rate. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.

Where can I use Recharge Payments and FNMPAY?

Recharge Payments lists 2 regions and 5 payment methods; FNMPAY lists 0 and 11. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

How do Recharge Payments and FNMPAY compare on integration and settlement?

Recharge Payments offers a sandbox, FNMPAY does not list one; Recharge Payments supports webhooks; Recharge Payments publishes a settlement time of Via payment processor (Stripe/Braintree).

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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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