Airwallex vs Fungies (2026): Pricing, Features & Verdict
Airwallex is our pick, scoring 6.9/10 against 5.8/10 for Fungies on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 5/10). For 10 users, Airwallex and Fungies are both free; both Airwallex and Fungies have a free plan.
Last updated: November 2026
Airwallex
6.9/10
Airwallex is a global business finance platform that combines multi-currency accounts, FX, corporate cards, spend and bill pay, payment acceptance and billing for internationally active companies.
Fungies
5.8/10
Fungies is a merchant of record and no-code storefront builder that lets SaaS founders, digital creators and game developers sell online while it handles global tax.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.9/10 | 5.8/10 |
| Scalability | 8/10 | 5/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 6/10 | Not listed |
| Integration | 8/10 | 5/10 |
| Security | 8/10 | 6/10 |
| Support | 4/10 | 6/10 |
| Cost | 7/10 | 6/10 |
| Customization | 7/10 | 6/10 |
| Ease of Use | 7/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | $12/user/mo Grow | Contact for pricing |
| Estimated cost for 10 users | Free Explore | Free Standard |
| Features | ||
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Invoicing | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
| More features | ||
| Landing Pages | Not listed | |
| E-commerce Features | Not listed | |
Airwallex vs Fungies cost by team size
Airwallex and Fungies cost the same up to 10 users; Fungies costs less from 25 users.
| Team size | Airwallex | Fungies |
|---|---|---|
| 1 user | FreeExplore | FreeStandard |
| 5 users | FreeExplore | FreeStandard |
| 10 users | FreeExplore | FreeStandard |
| 25 users | $300/moGrow | FreeStandard |
| 50 users | $600/moGrow | FreeStandard |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Airwallex and Fungies suit
| Audience | Airwallex | Fungies |
|---|---|---|
| Startups | 9/10The free Explore tier, multi-currency accounts, cards and the T:0 accounting add-on for US startups are aimed squarely at young companies. | 8/10There is no upfront or monthly cost, only a per-sale commission. |
| SaaS Companies | 8/10The Billing module handles subscriptions, usage-based billing, automatic tax and dunning, so it works for recurring-revenue businesses. | 8/10Fungies sells subscriptions, usage-based billing and license keys, and handles global tax as merchant of record. |
| Content Creators | Not rated | 7/10Its no-code storefronts and digital download sales are aimed at creators. |
| Developers | 7/10Platform APIs cover payments, issuing, payouts and embedded finance, with a sandbox and webhooks. | Not rated |
| E-commerce | 8/10It integrates with Shopify, WooCommerce, Amazon, Shopee and other marketplaces, and supports local payment methods and multi-currency settlement. | Not rated |
| Enterprise | Not rated | 3/10The vendor is a small pre-seed company with few reviews, and it publishes no enterprise compliance details. |
| Finance Teams | 7/10It offers approval workflows, purchase orders, 3-way matching and ERP sync, but finance teams still need a separate general ledger. | Not rated |
| Freelancers | 4/10It is built around business entities and team spend, and transaction costs can be high on small transfers. | Not rated |
| Mid-Market | 7/10Grow and Accelerate add NetSuite and Business Central sync, SSO and multiple entities, and Grow allows up to 250 spend users. | Not rated |
| Remote Teams | 7/10Multi-currency cards and payouts to over 120 countries make it practical to pay and equip distributed staff. | Not rated |
Which One Should You Choose?
Why choose Airwallex
- Higher Scalability score (8/10 vs 5/10)
- Higher Integration score (8/10 vs 5/10)
Why choose Fungies
- Higher Support score (6/10 vs 4/10)
Pros & Cons
Airwallex
Pros
- FX markups of 0.5% for major currencies and 1% for others are well below typical bank spreads, and domestic USD and CAD transfers are free.
- The free Explore tier already covers unlimited multi-currency cards, expense management, bill pay, invoicing and Xero or QuickBooks sync.
- The integration catalog is broad, covering NetSuite, Business Central, Sage, Odoo, Shopify, Amazon, WooCommerce, HubSpot, BambooHR and Workday.
- One platform handles collecting payments, billing subscriptions and paying suppliers, so cross-border businesses can avoid stitching several vendors together.
- The developer documentation covers payments, issuing, payouts and embedded finance APIs, with a sandbox and webhooks.
- Airwallex reports SOC 2 Type II and PCI DSS Level 1 compliance and says it holds around 80 licenses worldwide.
Cons
- Many reviewers on Trustpilot, G2 and Reddit say accounts and funds were frozen during compliance reviews, sometimes for weeks.
- Support gets the lowest marks. Capterra rates customer service 3.4 out of 5, and users describe slow, templated replies.
- There is no built-in general ledger or financial statements, and the accounting hub and budget tracking are still listed as coming soon.
- The Grow plan's platform fee is not published, so total cost is hard to estimate before talking to sales.
- It offers no cash deposits, no ATM access and no branches.
- Regulatory scrutiny in 2025 and 2026 included US congressional letters about data handling and an AUSTRAC-ordered anti-money laundering audit.
Fungies
Pros
- Commission-only pricing at 5% plus 50 cents per sale, with no monthly fee, so there is no fixed cost before revenue arrives.
- Acts as merchant of record, registering for, filing and remitting VAT, US sales tax and GST, and says it is VAT-registered in all 27 EU states and the UK.
- Supports game-specific products such as game keys and in-game items alongside SaaS subscriptions.
- Accepts more than 250 payment methods through localized hosted, overlay or embedded checkout.
- Reviewers on G2 and Product Hunt praise the team's responsive support and frequent feature updates.
Cons
- Very few independent reviews, so evidence of long-term reliability is limited.
- A Product Hunt reviewer reported missing merchant of record coverage and UPI support for India.
- A Product Hunt reviewer questioned the instant account approval without identity verification.
- Has no email campaign, SMS or social tools beyond transactional and abandoned-checkout emails.
- For modest domestic revenue, a plain payment processor can cost less, which the vendor acknowledges.
Not sold on either?
Frequently Asked Questions
Airwallex scores higher on our Finance Software criteria: 6.9/10 against 5.8/10 for Fungies. The largest gap is in Integration: 8/10 for Airwallex and 5/10 for Fungies.
Both are free for 10 users.
Yes, both Airwallex and Fungies have a free plan.
