Best Zai Alternatives in 2026
The top Zai alternatives are Adyen, Stripe Connect and Checkout.com: 15 marketplace payment platforms our editors would look at instead of Zai, in our ranking order.
Zai: A strong fit for Australian marketplaces that need PayID and multi-party payment flows. Where it falls short: pricing is focused on card-processing rates rather than a simple subscription.
Switching from Zai? For most marketplace payment platforms buyers the best Zai alternative is Adyen, built for global marketplaces needing broad payment coverage. On a budget, Airwallex Payments starts at $12/user/mo. Payouts.com has a free plan, which Zai does not.
Why People Look for a Zai Alternative
- 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
- No free plan — 2 of the alternatives below have it
Quick Picks by What You Need
- Best overallAdyen9.4
Global marketplaces needing broad payment coverage
Visit Adyen - Lowest priceAirwallex Payments8.1
Paid plans from $12/user/mo
Visit Airwallex Payments - Best free optionPayouts.com8.3
Has a free plan (Zai has none)
Visit Payouts.com
All 15 Zai Alternatives, Ranked
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
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Best forGlobal marketplaces needing broad payment coverage
- Better than Zai:
- Editor score 9.4 vs 7.2
A broad marketplace payments platform with global methods, split payments, and payouts.
9.4/10★★★★★Visit Adyen -
Best forPlatforms needing advanced connected-account controls
- Better than Zai:
- Editor score 9.2 vs 7.2
A paid marketplace payments platform with advanced account, compliance, and payout controls.
- Split payments
9.2/10★★★★★Visit Stripe Connect -
Best forLarge marketplaces wanting global acquiring
- Better than Zai:
- Editor score 9.0 vs 7.2
A broad marketplace payments platform for global acquiring, payouts, and payment operations.
9.0/10★★★★☆Visit Checkout.com -
Best forWallet-based multi-party marketplaces
- Better than Zai:
- Editor score 8.8 vs 7.2
A wallet-based payment platform for complex, multi-party marketplace flows.
- Split payments
8.8/10★★★★☆Visit Mangopay -
Best forEuropean marketplaces needing seller operations
- Better than Zai:
- Editor score 8.7 vs 7.2
A marketplace payments stack covering seller operations, money movement, and reporting.
- Commission tools
- Seller onboarding
- KYC/KYB support
8.7/10★★★★☆Visit Lemonway -
Best forMarketplaces centered on PayPal checkout
- Better than Zai:
- Editor score 8.6 vs 7.2
A PayPal-centered marketplace payment stack with broad integration and managed seller onboarding.
- Split payments
8.6/10★★★★☆Visit PayPal -
Best forSoutheast Asian marketplaces needing local methods
- Better than Zai:
- Editor score 8.5 vs 7.2
A broad payment and payout platform for Southeast Asian marketplaces.
8.5/10★★★★☆Visit Xendit -
Best forMarketplaces needing detailed split-payout controls
- Better than Zai:
- Editor score 8.4 vs 7.2
A detailed marketplace payments stack for platforms managing sellers, commissions, and payouts.
- Commission tools
- Seller onboarding
- KYC/KYB support
8.4/10★★★★☆Visit GivePayments -
Best forPayout-heavy platforms seeking a free start
- Better than Zai:
- Free plan
- Editor score 8.3 vs 7.2
A payout-focused platform for marketplaces that need onboarding, controls, and global rails.
- Seller onboarding
- KYC/KYB support
- Split payments
8.3/10★★★★☆Visit Payouts.com -
Best forCommerce businesses wanting low-cost payment breadth
- Better than Zai:
- Free plan
- Editor score 8.1 vs 7.2
Broad global payment coverage with a free plan and low-cost paid entry point.
8.1/10★★★★☆Visit Airwallex -
Best forMarketplaces needing escrow and custom payout logic
- Better than Zai:
- Editor score 8.0 vs 7.2
A strong fit for marketplaces that need escrow, split payments, and custom payout rules.
- Commission tools
- Seller onboarding
- KYC/KYB support
8.0/10★★★★☆Visit Ekurpay -
Best forGlobal seller payout programs
- Better than Zai:
- Editor score 7.9 vs 7.2
A payout-focused marketplace platform for onboarding sellers and managing international disbursements.
- Commission tools
- Seller onboarding
- KYC/KYB support
7.9/10★★★★☆Visit Payoneer -
Best forPlatforms needing configurable marketplace liability
- Better than Zai:
- Editor score 7.8 vs 7.2
A configurable marketplace payments stack for platforms managing sellers, payouts, and liability.
- Commission tools
- Seller onboarding
- KYC/KYB support
7.8/10★★★★☆Visit Von Payments -
Best forPhilippine platforms managing sub-accounts
- Better than Zai:
- Editor score 7.7 vs 7.2
A Philippine-focused platform layer for onboarding, splitting, payouts, and sub-account management.
- Split payments
7.7/10★★★★☆Visit PayMongo -
Best forEuropean marketplaces wanting transparent pay-in pricing
- Better than Zai:
- Editor score 7.6 vs 7.2
A focused marketplace payments platform with transparent starting pricing and broad payment controls.
- Commission tools
- Seller onboarding
- KYC/KYB support
7.6/10★★★★☆Visit Online Payment
Zai Alternatives: Common Questions
What is the best alternative to Zai?
Adyen: #1 in our Marketplace Payment Platforms ranking, with an editor score of 9.4 out of 10. A broad marketplace payments platform with global methods, split payments, and payouts.
Is there a free alternative to Zai?
Yes. Payouts.com and Airwallex Payments have a free plan or a free tier.
Why do people look for Zai alternatives?
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.
How do I switch from Zai?
Export your data from Zai (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Zai.
How to Switch from Zai
- Export your data from Zai (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Zai.
Zai vs Each Alternative
| # | Tool | Free plan | Paid from | Seller onboarding | Split payments | Payout scheduling | KYC/KYB support | Score |
|---|---|---|---|---|---|---|---|---|
| 19 | Zai | No | A$0.16/unit usage-based | Yes | Yes | Scheduled | Yes | 7.2 |
| 1 | Adyen | No | 9.4 | |||||
| 2 | Stripe Connect | No | Yes | 9.2 | ||||
| 3 | Checkout.com | No | 9.0 | |||||
| 4 | Mangopay | No | Yes | 8.8 | ||||
| 5 | Lemonway | No | Yes | Yes | Scheduled | Yes | 8.7 | |
| 6 | PayPal Multiparty Payments | Yes | 8.6 | |||||
| 7 | Xendit | 8.5 | ||||||
| 8 | GivePayments Marketplace Payments | Yes | Yes | Scheduled | Yes | 8.4 | ||
| 9 | Payouts.com | Yes | Yes | Yes | Scheduled | Yes | 8.3 | |
| 10 | Airwallex Payments | Yes | $12/user/mo | 8.1 | ||||
| 11 | Ekurpay Marketplace Payments | Yes | Yes | Scheduled | Yes | 8.0 | ||
| 12 | Payoneer Marketplace | Yes | Yes | Scheduled | Yes | 7.9 | ||
| 13 | Von Payments Marketplace Payments | Yes | Yes | Scheduled | Yes | 7.8 | ||
| 14 | PayMongo Platforms | No | Yes | 7.7 | ||||
| 15 | Online Payment Platform | No | €0.25/unit usage-based | Yes | Yes | Scheduled | Yes | 7.6 |
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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