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wamo

wamo

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.

VS

FIS

Enterprise banking and capital markets technology

FIS
Fees from
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions. vs Custom
Features

0 shared

1 unique to FIS
Regions

0 shared

6 unique to FIS
Pay methods

4 shared

5 unique to wamo · 10 unique to FIS
On fees

wamo publishes Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions. from. FIS uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
1 features · 19 payment methods · 6 regions. We don't rank these — they're here for reference.
wamo wamo
FIS FIS
Quick Facts
Fees
Standard transaction rate
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.
Custom
Settlement
Time to receive funds
Next business day
1–2 business days
Founded
—
1968
Headquarters
—
Jacksonville, Florida, United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
FIS leads (1 vs 0)
Enterprise Unique
—
✓
Payment Methods
FIS leads (14 vs 9)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Credit Card Unique
—
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Invoice Unique
✓
—
Jcb Unique
—
✓
Mastercard Unique
—
✓
Pos Unique
✓
—
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Virtual Card
✓
✓
Visa
✓
✓
Regions
FIS leads (6 vs 0)
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

wamo is best when you...

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.
View wamo

FIS is best when you...

Enterprise banking and capital markets technology
Need Enterprise
Not available with wamo
Want coverage in Asia, Europe, Latin America, North America, Oceania, Southeast Asia
wamo doesn't cover these regions
View FIS

Frequently Asked Questions

What is the difference between wamo and FIS?
They share 4 payment methods and 0 regions. wamo adds Invoice, POS, SEPA and 2 more that FIS does not list; FIS adds ACH, Amex, Apple Pay and 7 more that wamo does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, wamo or FIS?
wamo has published rates from Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.; 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 wamo and FIS?
wamo lists 0 regions and 9 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 wamo and FIS compare on integration and settlement?
FIS offers a sandbox, wamo does not list one; FIS supports webhooks; wamo settles in Next business day, FIS in 1–2 business days.

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