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Stone

Stone

Brazilian SMEs

VS

Fintoc

LatAm Account-to-Account Payments

Fintoc
Fees from
1.4-4.9% vs Custom
Features

0 shared

1 unique to Stone · 2 unique to Fintoc
Regions

1 shared

Pay methods

1 shared

6 unique to Stone · 2 unique to Fintoc

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Show full specs
3 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Stone Stone
Fintoc Fintoc
Quick Facts
Fees
Standard transaction rate
1.4-4.9%
Custom
Settlement
Time to receive funds
1–30 business days
Same day
Founded
2012
2020
Headquarters
São Paulo, Brazil
Santiago, Chile
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Fintoc leads (2 vs 1)
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Stone leads (7 vs 3)
Amex Unique
✓
—
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Elo Unique
✓
—
Mastercard Unique
✓
—
Pix Unique
✓
—
Qr Code Unique
✓
—
Visa Unique
✓
—
Regions
Latin America
✓
✓

Stone is best when you...

Brazilian SMEs
Need Startup Friendly
Not available with Fintoc
View Stone

Fintoc is best when you...

LatAm Account-to-Account Payments
Need Instant Payout
Not available with Stone
Need Low Fees
Not available with Stone
View Fintoc

Frequently Asked Questions

What is the difference between Stone and Fintoc?
They share 1 payment method and 1 region. Stone adds Amex, Elo, Mastercard and 3 more that Fintoc does not list; Fintoc adds Credit Card, Debit Card that Stone does not list; only Stone offers Startup Friendly; only Fintoc offers Instant Payout, Low Fees.
Which is cheaper, Stone or Fintoc?
Stone has published rates from 1.4-4.9%; Fintoc 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 Stone and Fintoc?
Stone lists 1 region and 7 payment methods; Fintoc lists 1 and 3. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stone and Fintoc compare on integration and settlement?
both offer a sandbox; both support webhooks; Stone settles in 1–30 business days, Fintoc in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing.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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