VIALET
E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.
VS
FIS
Enterprise banking and capital markets technology
Fees from
Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00). vs Custom
Features
0 shared
1 unique to FIS
Regions
0 shared
6 unique to FIS
Pay methods
2 shared
4 unique to VIALET · 12 unique to FIS
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Show full specs 1 features · 18 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
1 features · 18 payment methods · 6 regions. We
don't rank these — they're here for reference.
VIALET FISQuick Facts
Fees
Standard transaction rate
Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).
Custom
Settlement
Time to receive funds
7 business days
1–2 business days
Founded
—
1968
Headquarters
—
Jacksonville, Florida, United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features FIS leads (1 vs 0)
FIS leads (1 vs 0)Enterprise Unique
—
✓
Payment Methods FIS leads (14 vs 6)
FIS leads (14 vs 6)Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Contactless Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard
✓
✓
Open Banking Unique
✓
—
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Virtual Card Unique
—
✓
Visa
✓
✓
Regions FIS leads (6 vs 0)
FIS leads (6 vs 0)Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓
VIALET is best when you...
E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.
FIS is best when you...
Enterprise banking and capital markets technology
Need Enterprise
Not available with VIALET
Want coverage in Asia, Europe, Latin America, North America, Oceania, Southeast Asia
VIALET doesn't cover these regions
Frequently Asked Questions
What is the difference between VIALET and FIS?
They share 2 payment methods and 0 regions. VIALET adds Open Banking, SEPA, SEPA Instant and 1 more that FIS does not list; FIS adds ACH, Amex, Apple Pay and 9 more that VIALET does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, VIALET or FIS?
VIALET has published rates from Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).; FIS 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 VIALET and FIS?
VIALET lists 0 regions and 6 payment methods; FIS lists 6 and 14. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do VIALET and FIS compare on integration and settlement?
FIS offers a sandbox, VIALET does not list one; FIS supports webhooks; VIALET settles in 7 business days, FIS in 1–2 business days.
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