Zai
Zai: A strong fit for Australian marketplaces that need PayID and multi-party payment flows. Ranked #19 of 28 in Marketplace Payment Platforms by our editors (7.2/10); pricing: Paid; best for australian marketplaces needing PayID settlement.
At a glance
- Editor score7.2 / 10
- PricingPaid
- Best forAustralian marketplaces needing PayID settlement
- Free planNo
- Paid fromA$0.16/unit usage-based
- Seller onboardingYes
- Founded2021 · Melbourne, Victoria, Australia
- Facts checked20 Sep 2026
Where it wins
- Supports splits, routing, commissions and multi-party payment flows
- Combines seller verification with scheduled or on-demand disbursements
- Offers PayID matching, reconciliation and sandbox/production APIs
Where it doesn't
- Pricing is focused on card-processing rates rather than a simple subscription
- International card processing carries a higher stated percentage rate
- Coverage is limited to web and API integrations
Our verdict on Zai
Zai is an API-powered payment platform for marketplaces, platforms, fintechs, proptech companies and businesses with complex payment flows. It covers payment collection, fund splitting and routing, fee and commission configuration, balance holding, reconciliation and disbursements. Marketplace sellers can go through onboarding, verification and underwriting workflows. Payment methods include credit and debit cards, PayTo/NPP, BECS direct debit, BPAY, standard bank transfers and wire transfers, making Zai a strong fit for Australian marketplaces that need PayID settlement and multi-party money movement.
Pricing is presented through paid Standard and Customised plans. Standard - domestic cards charges 1.5% + A$0.30 for domestic cards and includes American Express, Mastercard and Visa, dedicated support, a single integration and optimised checkout flows. Standard - international cards charges 2.8% + A$0.16 for international cards and includes dedicated support, a single integration and optimised checkout flows. The Customised plan adds volume discounts, multi-product discounts, country-specific rates and interchange pricing. This structure suits businesses that want card processing with support for negotiated commercial terms, while buyers seeking a simple flat subscription should look elsewhere.
Zai’s strongest distinction is the breadth of its marketplace payment workflow: seller verification, splits, commissions, disbursement scheduling, virtual accounts, PayID matching and automated reconciliation are combined with hosted forms, iframe-based hosted fields, a dashboard and API documentation. Sandbox and production API environments support a staged integration path. The trade-off is a web-and-API focus, so organisations wanting a broader channel ecosystem may prefer another platform. Choose Zai when Australian payment methods and operational controls matter; consider an alternative if your priority is a simple card-only checkout or a wider integration surface.
Your product? Our editors can test Zai in depth and publish a review, labelled as paid · from $149/mo →
Zai pricing
Zai fact sheet
| Free plan | No |
|---|---|
| Paid from | A$0.16/unit usage-based |
| Seller onboarding | Yes |
| Split payments | Yes |
| Commission tools | Yes |
| Payout scheduling | Scheduled |
| KYC/KYB support | Yes |
| Seller country coverage | Not verified |
| Payment methods | Credit and debit cards; PayTo/NPP; BECS direct debit; BPAY; standard bank transfers; wire transfers |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | PCI DSS, 2FA |
| Support | Email, Phone, Docs |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Pricing | Paid (source) |
| Website | hellozai.com |
| Facts checked | 20 Sep 2026 |
Alternatives to Zai
- AdyenA broad marketplace payments platform with global methods, split payments, and payouts.9.4
- Stripe ConnectA paid marketplace payments platform with advanced account, compliance, and payout controls.9.2
- Checkout.comA broad marketplace payments platform for global acquiring, payouts, and payment operations.9.0
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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