Payment.Ninja vs Fatt Merchant

The power of Interchange Plus pricing against famously simple API

Fatt Merchant in a nutshell: expensive and developer-oriented

Fatt Merchant is a great API-first payment provider, which focuses on developers and platforms. Unfortunately, it has very high payment fees, unless you process a really large payment volume. Payment.Ninja easily beats Fatt Merchant in the pricing department and offers much more modern GraphQL API and smooth develiper experience.


Fatt Merchant offers a flat rate pricing model with a very high entry point, while Payment.Ninja undercuts Fatt Merchant almost by half thanks to the innovative Interchange Plus pricing model.

1.85% + 5¢

2.9% + 30¢


Fatt Merchant relies on it's developer eco-system to provide software solutions for customers. Payment.Ninja has everything built-in.

Mobile App, Virtual Terminal, Invoicing, Recurring Payments

Relies on developers ecosystem, limited features.

Customer Support

Fatt Merchant recenly upgraded it's Customer Support service. Payment.Ninja provides 24x7 Live Chat support in real-time as a standard.

Live Chat, 24x7

Email Support

Developer Experience

Fatt Merchant is positioning itself as a developer-first payment provider, but it's API is some-what dated and uses old REST specification. Payment.Ninja offers cutting-edge GraphQL API with the real-time access to the account data built-in right into the dashboard.



Accept payments with the speed of real-time

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