Request Network vs Fianto for stablecoin payments and subscriptions.

Who wrote this Request Network comparison?

Fianto wrote this comparison, so read it as one side's view. Every Request Network fact below comes from Request's own home page and documentation as we read them on 15 October 2026, quoted where the wording matters and linked so you can check. Where Request is the better choice, we say so, and Fianto's gaps are listed in their own section.

One term first. Non-custodial means the provider never holds your money: the payer's wallet pays the recipient's wallet directly. Both products are non-custodial. Request's home page says "Neither you nor Request Network holds the funds at any time." On Fianto, the payer's single transaction sends the price to the merchant's wallet, and there is no Fianto balance to withdraw from.

How do Request Network and Fianto compare?

The table compares the two on what a merchant asks first. Request's column is from its own pages, read on 15 October 2026.

Request's chain list is on its supported chains and currencies page. The fee, the cap and the screening line are from the FAQ on request.network.

How do recurring payments differ between Request Network and Fianto?

Both let the payer authorise once and get charged on a schedule, but Request fixes the exact amount and number of payments in a signed permit, while Fianto fixes a cap per period on chain and keeps renewing until someone cancels.

Request Network: a signed permit on EVM

Request's recurring payments page says you create a schedule with a start date, a frequency (daily, weekly, monthly or yearly) and a total number of payments. The payer signs a permit (an EIP-712 signature, an Ethereum standard for signing structured data) and may first approve a token allowance. The page lists what the contract enforces, including "Fixed Payment Amount" and "Enforced Payment Limit", and a deadline after which the signature expires.

Two details matter for a merchant. When a payment fails, "the schedule is paused, and you can unpause it once the issue is resolved", and unpausing "allows the subscription to catch up on missed payments". And that page says recurring payments "rely on ERC-20 permit (EIP-2612) signatures and are therefore EVM-only", adding that they "are not available on Tron". Request's chains table, read the same day, ticks Recurring payments for Tron. Ask Request which is current before you plan Tron subscriptions.

Fianto: a cap per period on Solana

Fianto uses the Solana Foundation's Subscriptions program, a public program on Solana. The customer signs one transaction that sets up the subscription and pays the first period. After that, the program refuses any charge above the per-period cap (the price plus fees), to a wallet the plan does not name, or by a collector not on the plan. The Subscriptions program docs explain the checks.

A failed Fianto renewal is handled the opposite way to Request's. The subscription goes past due and Fianto tries four times in all: at the period boundary, then about one hour, six hours and a day after it. After the fourth counted failure the subscription ends, and a missed period is never charged later. The customer cancels in the portal at fianto.xyz/my, and a cancel runs to the end of the paid period. Recurring USDC payments walks through what the customer signs.

How much do Request Network and Fianto cost?

Request lists a flat 0.9% per transaction, capped at $500; Fianto charges the merchant nothing. Request's FAQ says: "There is a flat fee of 0.9% per transaction, charged on transaction volume and capped at $500 per payment regardless of size." It adds that gas is included on EVM chains and that "On Tron, the payer pays a flat $3.99 per transaction to cover the Tron network cost." The FAQ does not say whether the payer or the recipient bears the 0.9%, so the table shows it as a cost per payment.

The 0.01 USDC network fee applies today to every subscription charge, the first one included, on plans created since 6 October 2026, and one-off payments carry none. The customer also pays the Solana transaction fee for what they sign, under $0.01. Each subscription also needs some SOL as account rent: about 0.00144 SOL for the subscription account, returned when the customer reclaims it after the subscription ends, and, on a wallet's first subscription only, about 0.00119 SOL for wallet setup, not returned. Both figures were measured on 15 October 2026; Solana is cutting rent in phases, so the checkout shows the exact live amounts.

For large one-off payments the gap closes. At 100,000 USDC, Fianto after the beta could cost the customer as much as Request's capped fee. The fuller arithmetic against cards is in USDC vs card fees.

When should you choose Request Network over Fianto?

Choose Request Network when any of these is true. Fianto cannot do them:

• Your payers hold USDC or USDT on Ethereum, Base, Polygon, Arbitrum, Optimism, BNB Smart Chain or Tron, and you do not want them to move it to Solana first.
• You send money as well as receive it: supplier payments, batch payouts, paying creators.
• You bill clients by invoice, or want amounts priced in euros, pounds or yen and paid in crypto.
• You need daily or weekly schedules, a fixed number of instalments, or missed payments caught up after a pause.
• You want an off-ramp to fiat through the same provider, or a testnet to build against.
• You want payer wallets checked automatically before your address is shown. Request says its optional screening checks the paying wallet "by Hypernative against sanctions, money-laundering, and terror-financing signals". What sanctions mean for a merchant is in OFAC sanctions and crypto payments.

When is Fianto the better fit than Request Network?

Fianto fits a merchant that sells to customers who already hold USDC on Solana and wants recurring billing without paying a percentage. It is built for selling, not for moving money around:

• Subscriptions that renew until the customer cancels, with a per-period cap enforced by a public on-chain program and a customer portal that lists every Fianto subscription a wallet pays.
• No code at all: a shop at your-name.fianto.xyz (23 themes to choose from), payment links, and discount codes, all from the dashboard. See USDC payment links.
• Signed webhooks named for what happened, such as order.paid for one-off orders and subscription.renewed for renewals, plus SDKs for Next.js, Express and Hono.
• A merchant cost of zero: you never pay Fianto and never pay a Solana network fee.

What can Fianto not do that Request Network can?

Fianto accepts one token on one network, USDC on Solana, and has no invoices, no payouts, no off-ramp to a bank, no test mode, no automatic payer screening and no team accounts. Billing intervals are monthly or yearly only, and a refund is the merchant sending USDC back from their own wallet. Every merchant is reviewed by a person before taking payments; what Fianto reviews explains that step.

If those gaps rule Fianto out, they rule it out. A team weighing a card processor's stablecoin product instead can read Stripe stablecoin subscriptions vs Fianto.