BridgerPay vs ZenPays
BridgerPay
bridgerpay.comZenPays
zenpays.comSide by side
| Figure | BridgerPay | ZenPays |
|---|---|---|
| Price from | $199/mo | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 5 | 0 |
| Spec score · Payment Orchestration Platforms | 9.0 (#2) | 6.6 (#25) |
| Privacy | The company describes GDPR-related features including data access and deletion tools, data localization, encrypted storage, and access controls. | ZenPays says it is compliant with PCI-DSS and uses encryption, tokenization, and secure data centers to protect information. |
| Product | BridgerPay describes itself as an AI-powered payment orchestration platform connecting payment providers and managing payment operations. | ZenPays describes itself as a payment orchestration platform for authorization, capture, refunds, payouts, disputes, and settlement across fiat and stablecoin rails. |
| Routing | The Router provides a drag-and-drop no-code builder for rules that direct traffic by location, expense, or type. | Its routing engine uses rules and machine learning to optimize for cost, approval, and speed, with cascading retries for soft declines. |
| Security | BridgerPay states that it is PCI DSS Level 1 certified and lists annual third-party audits, quarterly network scans, AES-256 and TLS 1.3 encryption, and 24/7 security monitoring. | The security page lists AES-256 encryption at rest, TLS 1.3 in transit, tokenization, audit trails, role-based access, and SSO support. |
Plans
BridgerPay
- Free ForeverFree
- Start-Up$199 a month
- Pro$499 a month
- Growth$999 a month
- EnterprisePriced on request
In their own words
BridgerPay
BridgerPay is a payment orchestration platform for connecting payment providers and managing payment operations, available through web and API. The homepage lists more than 1,000 built-in connections across 185+ countries. Its Router provides a drag-and-drop, no-code way to direct traffic by location, expense, or type. Bridger Retry reroutes payments across payment service providers, and Bridger 3DS provides independent authentication; the company describes these tools as capable of salvaging up to 30% of declines and elevating approvals by up to 10%, respectively. The platform aligns settlements across providers in real time and supports customized payment links delivered by email, SMS, QR code, or website. A modular API supports configuring and testing payment flows. Listed industries include retail and eCommerce, travel, SaaS, financial institutions, and gaming. BridgerPay says it is PCI DSS Level 1 certified and lists encryption, network scans, third-party audits, and continuous security monitoring. The free plan costs nothing and covers 200 transactions per month, one user, one checkout, and two connections.
ZenPays
ZenPays is a payment orchestration platform for businesses using fiat and stablecoin rails. It covers authorization, capture, refunds, payouts, disputes, and settlement, and says it connects more than 300 providers across more than 155 countries. Routing policies can weigh cost, speed, geography, and success rate, with cascading retries for soft declines. Payment features include payment intents, 3DS orchestration, tokenization, payment links, invoicing, multi-currency support, and recurring payments. Risk controls include AI scoring, device and IP intelligence, velocity controls, chargeback attribution, manual-review triggers, and reason codes. Settlement tools include payouts, refunds, reconciliation exports, multi-currency treasury, automated fund sweeping, and stablecoin settlement. Developers get one REST API with provider abstraction, webhooks, idempotency keys, and a sandbox for simulating declines and 3DS flows. Security features include AES-256 encryption at rest, TLS 1.3 in transit, tokenization, audit trails, role-based access, and SSO support. Pricing is disclosed in merchant agreements and requires a demo or coverage discussion.