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Shift4

Shift4

Hospitality & Retail

VS

Finix

Platforms & Direct Acquirer

Finix
Fees from
0.05% + $0.03 above interchange vs Interchange+ pricing
Features

2 shared

3 unique to Finix
Regions

1 shared

1 unique to Shift4
Pay methods

8 shared

1 unique to Shift4 · 1 unique to Finix
On licensing

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Show full specs
5 features · 10 payment methods · 2 regions. We don't rank these — they're here for reference.
Shift4 Shift4
Finix Finix
Quick Facts
Fees
Standard transaction rate
0.05% + $0.03 above interchange
Interchange+ pricing
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
1999
2015
Headquarters
Allentown, Pennsylvania
San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Finix leads (5 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Ach Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Diners
✓
✓
Discover
✓
✓
Gift Card Unique
✓
—
Google Pay
✓
✓
Jcb
✓
✓
Mastercard
✓
✓
Visa
✓
✓
Regions
Shift4 leads (2 vs 1)
Europe Unique
✓
—
North America
✓
✓

Shift4 is best when you...

Hospitality & Retail
Want coverage in Europe
Finix doesn't cover this region
View Shift4

Finix is best when you...

Platforms & Direct Acquirer
Need Enterprise
Not available with Shift4
Need Instant Sandbox
Not available with Shift4
View Finix

Frequently Asked Questions

What is the difference between Shift4 and Finix?
They share 8 payment methods and 1 region. Shift4 adds Gift Card that Finix does not list; Finix adds ACH that Shift4 does not list; Shift4 also covers Europe; only Finix offers Enterprise, Instant Sandbox and 1 more.
Which is cheaper, Shift4 or Finix?
Shift4 has published rates from 0.05% + $0.03 above interchange; Finix has published rates from Interchange+ pricing. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Shift4 and Finix?
Shift4 lists 2 regions and 9 payment methods; Finix lists 1 and 9. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Shift4 and Finix compare on integration and settlement?
both offer a sandbox; both support webhooks; Shift4 settles in 1–2 business days, Finix in 1–2 business days.

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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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