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Siirto logo

Siirto

Finnish instant transfers

Finland's instant payment system enabling real-time money transfers between bank accounts regardless of time or day. Siirto is integrated into major Finnish banking apps including OP and Nordea, supporting both private and corporate payments.

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Bancontact Payconiq logo

Bancontact Payconiq

Belgian mobile payments

A European account-to-account payment platform merged with Bancontact, now part of the European Payments Initiative. Bancontact Payconiq enables instant mobile payments across Belgium, Netherlands, and Luxembourg with QR codes and real-time transfers.

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Detailed Comparison

Side-by-side feature breakdown

Fees
Siirto

€0.20-0.50

Bancontact Payconiq

€0.06 per transaction

Category
Siirto
regional
Bancontact Payconiq
regional
Available Regions
Siirto
Europe
Bancontact Payconiq
Europe
Key Features
Siirto
Instant Payments
Startup Friendly
Bancontact Payconiq
Startup Friendly
Instant Payments
SDKs & Libraries
Siirto

3 Available

Bancontact Payconiq

6 Available

Payment Methods
Siirto

3 Supported

Bancontact Payconiq

4 Supported

Common Ground

Shared Regions

Europe

Shared Features

Instant PaymentsStartup Friendly

Frequently Asked Questions

What is the difference between Siirto and Bancontact Payconiq?

Siirto is best for finnish instant transfers, while Bancontact Payconiq is best for belgian mobile payments. Siirto charges €0.20-0.50 and Bancontact Payconiq charges €0.06 per transaction. They differ in supported features, regions, and payment methods.

Which is cheaper, Siirto or Bancontact Payconiq?

Siirto charges €0.20-0.50 while Bancontact Payconiq charges €0.06 per transaction. The best value depends on your transaction volume, business type, and required features. Compare their full fee structures for your specific use case.

Can I use both Siirto and Bancontact Payconiq together?

Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Siirto and Bancontact Payconiq can complement each other depending on your needs.