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Windcave

Windcave

NZ merchants

VS

JCB

Japanese customers

JCB
Fees from
1.75-2.5% vs 2.95-3.5%
Features

1 shared

Regions

1 shared

1 unique to Windcave · 2 unique to JCB
Pay methods

8 shared

1 unique to Windcave · 2 unique to JCB
On settlement

Windcave settles in 2–3 business days; JCB settles in 2–3 business days. Verify directly with each provider before signing.

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Show full specs
1 features · 11 payment methods · 4 regions. We don't rank these — they're here for reference.
Windcave Windcave
JCB JCB
Quick Facts
Fees
Standard transaction rate
1.75-2.5%
2.95-3.5%
Settlement
Time to receive funds
2–3 business days
2–3 business days
Founded
1993
1961
Headquarters
Auckland, New Zealand
Tokyo, Japan
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Payment Methods
JCB leads (10 vs 9)
Amex
✓
✓
Apple Pay Unique
—
✓
Contactless
✓
✓
Diners
✓
✓
Discover Unique
✓
—
Google Pay Unique
—
✓
Jcb
✓
✓
Mastercard
✓
✓
Mobile Payment
✓
✓
Unionpay
✓
✓
Visa
✓
✓
Regions
JCB leads (3 vs 2)
Asia
✓
✓
Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
✓
—

Windcave is best when you...

NZ merchants
Want coverage in Oceania
JCB doesn't cover this region
View Windcave

JCB is best when you...

Japanese customers
Want coverage in Europe, North America
Windcave doesn't cover these regions
View JCB

Frequently Asked Questions

What is the difference between Windcave and JCB?
They share 8 payment methods and 1 region. Windcave adds Discover that JCB does not list; JCB adds Apple Pay, Google Pay that Windcave does not list; Windcave also covers Oceania; JCB also covers Europe, North America.
Which is cheaper, Windcave or JCB?
Windcave has published rates from 1.75-2.5%; JCB has published rates from 2.95-3.5%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Windcave and JCB?
Windcave lists 2 regions and 9 payment methods; JCB lists 3 and 10. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Windcave and JCB compare on integration and settlement?
both offer a sandbox; both support webhooks; Windcave settles in 2–3 business days, JCB in 2–3 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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing.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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