With FPS, you "submit" a payment. Most banks reply immediately (although the sla Is still 8-10 seconds) so you get a confirmation pretty soon.. but besides the major banks, small local banks may reply in more than 30secs or even reject the payment after a day.Original Post Deleted
Payme gives you *confirmation* of the payment in less than a second.
"Cheaper" I mean for the bank..some charge the end user some don't. Some wallets (not all) charge you a fee if you cash out to your bank account.