Rapyd vs Windcave — fees, markets, methods

Rapyd and Windcave at a glance

	Rapyd	Windcave
Type	Provider	Provider
Headquarters	Israel	New Zealand
Founded	2016	1999
Part of
Countries covered	81	7
Payment methods	56	33
Currencies	73 — AED, AMD, ARS, AUD, BAM, BDT…
Pricing	On request	On request
Settlement	Method-dependent: Pix real time; Latin American cash and bank redirect typically 2-3 days
Regulators	Financial Conduct Authority (FCA), Central Bank of Iceland (Seðlabanki Íslands), Monetary Authority of Singapore (MAS), Hong Kong Customs and Excise Department, Hong Kong Companies Registry, Israel Securities Authority (ISA), FinCEN	Bank of Lithuania
Categories	ACH, Bank Transfer, Banking, Card Issuance, Cards, Cash, Cross Border, Crypto, Direct Debit, Gateway, IBAN Issuance, POS, Terminals & Kiosks, Wallet	Cards, Gateway, POS, Terminals & Kiosks
Industries	Fintech, Marketplace, Retail, SaaS, Travel, eCommerce, iGaming	Food & Drink, Retail, Travel, eCommerce

Countries

6 in common · 75 only Rapyd · 1 only Windcave

Payment methods

9 in common · 47 only Rapyd · 24 only Windcave

Offered by both

ACH Alipay Apple Pay GCash Google Pay KakaoPay Mastercard UnionPay Visa

Frequently asked questions

What is the difference between Rapyd and Windcave?

Rapyd covers 81 countries and Windcave covers 7; they overlap in 6, with 75 served only by Rapyd and 1 only by Windcave. Rapyd supports 56 payment methods and Windcave 33, 9 of them in common. Rapyd publishes its pricing, while Windcave quotes fees per merchant.

Which covers more countries, Rapyd or Windcave?

Rapyd has more: Rapyd covers 81 countries and Windcave covers 7. Only Rapyd serves Albania, Andorra, Argentina, Armenia, Austria, Belgium and 69 more. Only Windcave serves Canada.

Does Rapyd or Windcave support more payment methods?

Rapyd has more: 56 for Rapyd against 33 for Windcave, with 9 in common. Only Rapyd offers AmBank, BACS, Banco Estado, Banco Santander, Banco de Antigua, Bancolombia and 41 more. Only Windcave offers Afterpay, Alipay+, AlipayHK, American Express, Cabal, Clearpay and 18 more.

Is Rapyd cheaper than Windcave?

Rapyd quotes fees per merchant. Windcave quotes fees per merchant. Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.

Can you use Rapyd and Windcave together?

Yes. Many merchants use more than one payment provider — to cover countries or payment methods only one of them offers, or as a backup if one has an outage. A payment orchestration platform can route each payment to whichever provider suits it best.

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