MoneyHash vs ZenPays
MoneyHash
moneyhash.ioZenPays
zenpays.comSide by side
| Figure | MoneyHash | ZenPays |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Payment Orchestration Platforms | 7.6 (#11) | 6.6 (#25) |
| Integrations | MoneyHash connects pay-in, payout, and value-added payment services through a unified API, and its integrations page invites provider requests. | ZenPays advertises 527+ integrated payment methods and providers in its connector directory. |
| Pricing availability | The opened maker pages direct visitors to get started or talk to an expert but do not state a MoneyHash subscription price. | ZenPays says fees are disclosed in the merchant agreement; its public pages direct prospective customers to ask about coverage and costs. |
| Security | The developer hub lists PCI DSS Level 1, tokenization, 3-D Secure, and data residency under Security & Compliance. | The security page lists AES-256 encryption at rest, TLS 1.3 in transit, tokenization, audit trails, role-based access, and SSO support. |
| Support | The company says its team provides support across technical integrations, infrastructure, and payment strategy. | The site offers demo requests and links to contact its security team, but does not state a support response time or support hours on those pages. |
In their own words
MoneyHash
MoneyHash provides payment infrastructure and orchestration for businesses in emerging markets, with a stated focus on Africa and the Middle East. Its unified API connects businesses to payment providers and methods, while provider setup is managed through a dashboard. Programmable routing rules can direct transactions across providers, and the platform supports retries and provider failover. The dashboard shows transactions, revenue, refunds, and channel performance. Its products include pay-in and payout integrations, alternative payment methods, recurring payments, a tokenization vault, payment links, virtual wallets, subscriptions, and digital invoices. Checkout options include hosted pages, web embeds, mobile SDKs, and direct API integration. The pay-in integration page describes connections to 300+ providers across 100+ markets, including cards, wallets, BNPL, and open banking. Developer resources include documentation, guides, SDKs for JavaScript, iOS, Android, Flutter, and React Native, and troubleshooting support. The company says its team can assist with technical integration, infrastructure, and payment strategy. Direct API integration requires PCI DSS Level 1 certification, and merchants are responsible for collecting, handling, and transmitting cardholder data. Pricing is available on request.
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.