Confirmo Subscribe and Fianto both pull renewals from a wallet. Here is where they part.

Who wrote this, and what was checked?

Fianto publishes this comparison, and Fianto is one side of it. The Confirmo column comes only from Confirmo's own Subscribe page and its developer docs, read on 15 October 2026; the Subscribe overview in the docs says it was last updated on 13 October 2026. Where Confirmo does not publish something, the table says so. We did not use review sites or third-party fee lists.

Confirmo has a reason to appear in a Solana post. Solana's announcement of native Subscriptions & Allowances names Confirmo, "a stablecoin-first payment gateway serving SaaS merchants and enterprise clients globally", and says it "will use the same model to enable automatic stablecoin invoice collection for their merchant base". Confirmo's own Subscribe page does not name the program. It describes its design in its own words: "Our unique technical solution is built so that each subscription is isolated in its own smart contract with a scoped approval, meaning that no subscription can ever pull more than its agreed amount."

Fianto runs on that Solana program today. What the program is, and how its three models differ, is in Solana Subscriptions and Allowances, for merchants, and the head-term page on Solana subscriptions covers fees, rent and wallets.

How do Confirmo Subscribe and Fianto compare?

Two notes on the Confirmo column. The Subscribe page and the docs list slightly different networks, so the table uses the docs' table, which names chain and token together. The product page promises "monthly, yearly, or custom plans", while the plan API documents only MONTHLY and ANNUAL; ask Confirmo which one applies to your account.

What does the customer pay at checkout on each?

On Confirmo the customer pays no network fee on renewals. Its docs say: "Subscribers never pay network fees on recurring charges." The exception is a one-time fee when the chosen token needs an on-chain approval, and the docs list "any token on Solana" among those cases. Everything else uses what Confirmo calls "a free gasless signature".

On Fianto the customer pays the chain's costs and the merchant pays none. The customer signs one Solana transaction at checkout, with a network fee under $0.01, and pays account rent: about 0.00144 SOL as of 15 October 2026 for the subscription account, returned when they reclaim it after the subscription ends, and about 0.00119 SOL once for the wallet setup account on a wallet's first subscription, which is not returned. The checkout shows the exact live amount, because Solana is cutting rent in phases. Every charge, the first included, also carries a flat 0.01 USDC network fee today on plans created since 6 October 2026. What rent is and how to get it back is in account rent and reclaim.

So the costs fall on different people. On Confirmo the network fees on renewals are not the customer's, and the merchant's costs are whatever Confirmo quotes. On Fianto the merchant keeps the whole price, and the customer pays the fees and the rent shown above.

What happens when a renewal fails?

Both products move a subscription to past due when a charge fails, and both treat a removed wallet approval as a failed payment, not a cancel. Confirmo's docs put it bluntly: a subscriber who revokes the spending approval instead of cancelling "shows up as a failed payment and dunning", which "muddies your churn data". Fianto behaves the same way: the next charge fails as a revoked delegation, the subscription goes past due, and the customer portal offers Re-authorise.

The retry window is where they differ. On Confirmo you choose a gracePeriod per plan in whole days, and if it runs out the subscription is cancelled with the reason DUNNING_EXHAUSTED. On Fianto the schedule is fixed and the same for everyone: four attempts over about a day, then the subscription ends and sends subscription.ended. There is no back-billing for the missed period. A longer Confirmo grace period gives a customer more days to top up; the Fianto schedule gives you a predictable answer within a day.

Confirmo's docs also list a cancellation reason for a payment blocked by sanctions or risk checks. Fianto has no automatic check of that kind (sanctions and crypto payments covers what exists): an admin can mark a payer wallet as blocked by hand, which refuses new checkouts and renewals from it.

How does a customer cancel?

On Confirmo, a merchant or a subscriber can cancel, and cancellation "stops future billing immediately". The docs recommend you give subscribers a cancel path yourself, on your site through the cancel endpoint or by contacting you; the docs pages cited here do not describe a hosted portal for subscribers.

On Fianto the customer cancels in the customer portal at fianto.xyz/my, which lists every Fianto subscription their wallet pays across merchants. Signing in is a signed message that moves nothing, and the cancel is one signature. The subscription keeps running until the end of the period already paid. A merchant can also cancel from the dashboard or through the API, either now or at the period's end.

Where does the money end up?

Confirmo collects into a balance; Fianto collects into your wallet. Confirmo's overview says settled payments are added to the merchant's Confirmo balance, "alongside your other Confirmo activity", and that "You access your balance via withdrawals and payouts." That suits a business already running Confirmo checkout, deposits or payouts, and its footer says Confirmo Limited is authorised by the Central Bank of Ireland as a crypto-asset service provider under MiCA.

Fianto never holds the money. Each charge moves the price from the customer's wallet to the merchant's wallet, and any fee to Fianto's, in the same transaction, so there is no balance and no payout step. The difference between the two models, and what each means if a provider fails or freezes an account, is in custodial vs non-custodial crypto payments.

When to pick Confirmo, and when to pick Fianto

Pick Confirmo Subscribe if your customers pay on Ethereum, Tron, Polygon or other chains, in USDT or USDG as well as USDC, or from exchange accounts. Pick it if you price in dollars and want one balance across chains, need fixed-term contracts, or want a regulated EU counterparty and a sales team. It is the better product for an enterprise with customers spread across chains.

Pick Fianto if your customers hold USDC on Solana and you want to sign up yourself from a typed profile, with no documents to upload, keep every charge in your own wallet, and pay nothing. Know its limits first: one token on one chain, monthly and yearly only, no free trials, no fixed terms, no test mode, no invoices and no fiat payout. Fianto does add a no-code path: a payment link or a shop for a recurring price sells a subscription without an API call, where Confirmo's docs describe creating each subscription through its API.

What the on-chain program refuses, and why the cap equals the price plus the fees, is on the docs page The Subscriptions program. For the rest of the field, see stablecoin subscription billing platforms compared. Two gateways that send the customer a payment request each cycle instead have their own comparisons: MoonPay Commerce (Helio) vs Fianto and BitPay vs Fianto.