FTMO is the best overall choice for card payments among the five prop firms compared here. This comparison was checked on ****. FTMO accepts Visa, Mastercard, Diners Club and Discover. It also supports Apple Pay, Google Pay, PayPal, Revolut Pay, Skrill, cryptocurrency and bank transfer. Card payments are listed as instant and free.
FundedNext is the better option if you need American Express, local payment methods or regional wallets. It supports Visa, Mastercard and American Express, along with Apple Pay, Google Pay, PayPal, Skrill, Binance Pay, cryptocurrency and several country-specific methods.
Best Prop Firms for Card Payments
| Prop firm | Card networks | Digital wallets and alternatives | Processing speed or fees | Best for |
|---|---|---|---|---|
| FTMO | Visa, Mastercard, Diners Club, Discover | Apple Pay, Google Pay, PayPal, Revolut Pay, Skrill, cryptocurrency and bank transfer | Card payments are listed as instant and free | CFD and forex traders who want the widest payment choice |
| FundedNext | Visa, Mastercard, American Express | Apple Pay, Google Pay, PayPal, Skrill, Binance Pay, cryptocurrency and local methods | Card and crypto payments are listed as instant; no card fee is listed on the cited help page | American Express users and traders who need local methods |
| The5ers | Visa and Mastercard | Apple Pay, Google Pay, PayPal and cryptocurrency through Confirmo | Options may depend on the checkout route | Traders who want a simple card and wallet checkout |
| Topstep | Visa, Mastercard, American Express, Discover | PayPal is not supported for current pricing purchases | Clear card support, with fewer wallet options | US futures traders who want to use American Express |
| Apex Trader Funding | Visa, Mastercard, Discover | Cryptocurrency and American Express are not accepted | The card must be issued in the trader's own name | Traders who only need a standard card checkout |
Payment availability can change by country, product and checkout provider.
Why FTMO Ranks First
FTMO has the widest combination of card networks, wallets and alternative payment methods in this comparison. Its CFD payment documentation lists:
- Visa
- Mastercard
- Diners Club
- Discover
- Apple Pay
- Google Pay
- PayPal
- Revolut Pay
- Skrill
- Cryptocurrency
- Bank transfer
FTMO lists Visa and Mastercard payments as instant and free. Apple Pay and Google Pay are also listed as instant and free. PayPal, Skrill and cryptocurrency payments carry a stated 3% fee, while bank transfer fees vary.
FTMO also states that its CFD challenge fees are one-time payments with no recurring or hidden fees. The 2-Step challenge fee is refunded with the first reward withdrawal after the relevant conditions are met.
FTMO CFD and Futures Payment Options
FTMO's CFD and futures products have different payment lists.
FTMO Futures supports Visa, Mastercard, Apple Pay, Google Pay, PayPal and Revolut Pay. Revolut Pay is available only to non-US clients.
FTMO Futures is currently unavailable to US residents in Arkansas, Delaware, Louisiana, Montana and South Carolina. US clients must also meet FTMO's tax and payout requirements.
When Is FundedNext the Better Choice?
FundedNext is the better choice when you need American Express or a country-specific payment method.
Its payment guide lists Visa, Mastercard and American Express, plus Apple Pay, Google Pay, PayPal, Skrill, Binance Pay and several cryptocurrencies.
FundedNext also lists local methods for several countries:
- Pix and Mercado Pago in Brazil
- UnionPay in China
- PSE and NEQUI in Colombia
- M-Pesa in Kenya
- OXXO and SPEI in Mexico
- Blik in Poland
- Stitch in South Africa
- Local Visa, Mastercard and American Express cards in multiple countries
The methods shown at checkout depend on the trader's country.
The cardholder's name must match the name on the FundedNext trading account exactly. A mismatch can lead to order cancellation.
Is The5ers Good for Card Payments?
Yes. The5ers is a simple option for Visa, Mastercard and common digital wallets.
The5ers supports Visa and Mastercard, PayPal, Apple Pay, Google Pay and cryptocurrency payments through Confirmo. Its payment documentation does not list American Express, Discover or Diners Club.
The5ers is less suitable if you need a wider card-network choice or local payment methods. Its terms also state that card and other express payments must be made by the card owner.
Which Futures Prop Firm Accepts American Express?
Topstep is the better futures option when American Express acceptance is the deciding factor.
Topstep accepts Visa, Mastercard, American Express and Discover. Its current pricing help page states that PayPal is not supported.
Topstep therefore offers a better Amex option than Apex, but it has fewer wallet and alternative payment choices than FTMO or FundedNext.
Does Apex Trader Funding Offer Enough Card Options?
Apex is adequate for a standard Visa, Mastercard or Discover checkout, but it has fewer payment choices than the other firms compared here.
Apex does not accept American Express, cryptocurrency or gift cards. The card must be registered in the trader's own name.
For most traders, the choice is straightforward:
- Choose FTMO for the widest mix of card networks, wallets and alternative payment methods.
- Choose FundedNext for American Express or local payment methods.
- Choose Topstep if you trade futures and want to pay with American Express.
- Choose The5ers for a simple Visa, Mastercard, Apple Pay or Google Pay checkout.
- Choose Apex if Visa, Mastercard or Discover is all you need.