Best Zoho Payments Alternatives in 2026
The top Zoho Payments alternatives are Stripe Connect, Adyen and PayPal Payments: 15 payment facilitation platforms our editors would look at instead of Zoho Payments, in our ranking order.
Zoho Payments: A practical payment option for Zoho users collecting card and ACH payments. Where it falls short: no free plan; pricing is usage-based rather than subscription-based..
Switching from Zoho Payments? For most payment facilitation platforms buyers the best Zoho Payments alternative is Stripe Connect, built for platforms needing complete payment facilitation. PayPal Payments has a free plan, which Zoho Payments does not.
Why People Look for a Zoho Payments Alternative
- No free plan; pricing is usage-based rather than subscription-based
- Recurring payments are supported through Zoho Finance apps
- Its facilitation scope is narrower than marketplace-focused platforms
- No free plan — 1 of the alternatives below has it
Quick Picks by What You Need
- Best overallStripe Connect9.4
Platforms needing complete payment facilitation
Visit Stripe Connect - Best free optionPayPal Payments9.0
Has a free plan (Zoho Payments has none)
Visit PayPal Payments
All 15 Zoho Payments 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.
Sponsored alternatives to Zoho Payments Sponsored alternative
-
Best forPlatforms needing complete payment facilitation
- Better than Zoho Payments:
- Editor score 9.4 vs 6.7
A deep payment facilitation platform for marketplaces that need compliance and payout control.
- Split payments
9.4/10★★★★★Visit Stripe Connect -
Best forGlobal marketplaces with broad payment coverage
- Better than Zoho Payments:
- Editor score 9.2 vs 6.7
A broad payment stack for marketplaces that need global methods, payouts, and risk tools.
9.2/10★★★★★Visit Adyen -
Best forMarketplaces wanting a free-entry payment platform
- Better than Zoho Payments:
- Free plan
- Editor score 9.0 vs 6.7
A flexible payment platform for marketplaces and businesses needing broad payment options.
9.0/10★★★★☆Visit PayPal -
Best forEuropean businesses needing broad payment methods
- Better than Zoho Payments:
- Editor score 8.8 vs 6.7
Broad European payment coverage with pay-as-you-go pricing and marketplace tools.
8.8/10★★★★☆Visit Mollie -
Best forLarge marketplaces needing enterprise payment breadth
- Better than Zoho Payments:
- Editor score 8.7 vs 6.7
Enterprise payment breadth for marketplaces and merchants operating across multiple markets.
8.7/10★★★★☆Visit Checkout.com -
Best forMarketplaces needing wallets and managed compliance
- Better than Zoho Payments:
- Editor score 8.6 vs 6.7
A wallet-based payment stack for marketplaces managing complex money movement.
- Split payments
8.6/10★★★★☆Visit Mangopay -
Best forPlatforms managing complex merchant operations
- Better than Zoho Payments:
- Editor score 8.5 vs 6.7
A broad payment facilitation stack for platforms managing complex merchant operations.
- Split payments
8.5/10★★★★☆Visit Finix -
Best forSoutheast Asian marketplaces and online sellers
- Better than Zoho Payments:
- Editor score 8.4 vs 6.7
A broad payment stack for Southeast Asian sellers, marketplaces, and cross-border operations.
8.4/10★★★★☆Visit Xendit -
Best forGlobal platforms needing collection and payout flexibility
- Better than Zoho Payments:
- Editor score 8.3 vs 6.7
A broad payment and payout platform for businesses operating across markets.
8.3/10★★★★☆Visit Rapyd -
Best forEuropean marketplaces needing wallet-based operations
- Better than Zoho Payments:
- Editor score 8.2 vs 6.7
A wallet-based payment stack for European marketplaces with complex fund flows.
- Split payments
8.2/10★★★★☆Visit Lemonway -
Best forPlatforms needing embedded onboarding and risk controls
- Better than Zoho Payments:
- Editor score 8.1 vs 6.7
A broad embedded payments stack for platforms managing merchants, payouts, and risk.
- Sub-merchant onboarding
- KYC/KYB tools
- Platform payouts
8.1/10★★★★☆Visit GivePayments -
Best forPlatforms wanting white-label payment operations
- Better than Zoho Payments:
- Editor score 8.0 vs 6.7
A broad white-label payments stack for platforms that need embedded operations.
- Split payments
8.0/10★★★★☆Visit Unipaas -
Best forPlatforms needing white-label merchant payments
- Better than Zoho Payments:
- Editor score 7.9 vs 6.7
A white-label payment stack for platforms managing merchant payments end to end.
- Split payments
7.9/10★★★★☆Visit Rainforest -
Best forPhilippine platforms managing sub-accounts
- Better than Zoho Payments:
- Editor score 7.8 vs 6.7
A focused platform stack for Philippine businesses managing merchants and sub-accounts.
- Split payments
7.8/10★★★★☆Visit PayMongo -
Best forAfrican businesses needing local payment channels
- Better than Zoho Payments:
- Editor score 7.7 vs 6.7
A broad African payments stack for merchants, marketplaces, and developers.
7.7/10★★★★☆Visit Paystack
Zoho Payments Alternatives: Common Questions
What is the best alternative to Zoho Payments?
Stripe Connect: #1 in our Payment Facilitation Platforms ranking, with an editor score of 9.4 out of 10. A deep payment facilitation platform for marketplaces that need compliance and payout control.
Is there a free alternative to Zoho Payments?
Yes. PayPal Payments has a free plan or a free tier.
Why do people look for Zoho Payments alternatives?
No free plan; pricing is usage-based rather than subscription-based; Recurring payments are supported through Zoho Finance apps; Its facilitation scope is narrower than marketplace-focused platforms.
How do I switch from Zoho Payments?
Export your data from Zoho Payments (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 Zoho Payments.
How to Switch from Zoho Payments
- Export your data from Zoho Payments (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 Zoho Payments.
Zoho Payments vs Each Alternative
| # | Tool | Free plan | Paid from | Split payments | Score |
|---|---|---|---|---|---|
| 23 | Zoho Payments | No | 6.7 | ||
| 1 | Stripe Connect | No | Yes | 9.4 | |
| 2 | Adyen | No | 9.2 | ||
| 3 | PayPal Payments | Yes | 9.0 | ||
| 4 | Mollie | No | €20/mo | 8.8 | |
| 5 | Checkout.com | No | 8.7 | ||
| 6 | Mangopay | No | Yes | 8.6 | |
| 7 | Finix | No | $2.50/unit/mo | Yes | 8.5 |
| 8 | Xendit | 8.4 | |||
| 9 | Rapyd | No | 8.3 | ||
| 10 | Lemonway | No | Yes | 8.2 | |
| 11 | GivePayments Embedded Payments | Yes | 8.1 | ||
| 12 | Unipaas | Yes | 8.0 | ||
| 13 | Rainforest | No | Yes | 7.9 | |
| 14 | PayMongo Platforms | No | Yes | 7.8 | |
| 15 | Paystack | 7.7 |
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update