OpenSwitch vs ZenPays
OpenSwitch
openswitch.techZenPays
zenpays.comSide by side
| Figure | OpenSwitch | ZenPays |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | — |
| Plans published | 3 | 0 |
| Spec score · Payment Orchestration Platforms | 7.6 (#12) | 6.6 (#25) |
| Integrations | The connector directory lists 18 integrations, including Stripe, Adyen, Checkout.com, Braintree, Paymob, Klarna, PayPal, and Razorpay. | ZenPays advertises 527+ integrated payment methods and providers in its connector directory. |
| Routing | Its routing rules can route payments by cost, success rate, currency, BIN, geography, or custom expressions. | Its routing engine uses rules and machine learning to optimize for cost, approval, and speed, with cascading retries for soft declines. |
| Security | The developer page says requests use bearer keys with restricted scopes and that webhooks are HMAC-signed with replay protection. | 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 pricing page lists community support for Open Source, email and Slack support for Cloud, and 24/7 on-call plus a dedicated solutions engineer for Enterprise. | 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. |
Plans
In their own words
OpenSwitch
OpenSwitch provides one API for routing, retrying, and observing payments across multiple payment service providers. Routing rules can use cost, success rate, currency, BIN, geography, or custom expressions, while retry policies and connector fallback chains reroute soft declines. A shared schema covers payments, refunds, disputes, mandates, and webhooks across enabled connectors. The product describes a network-token-aware vault with tokens portable across PSPs controlled by the customer. Per-connector latency, authorization rates, and decline reasons are available, with event export through webhooks or S3. The connector directory lists 18 integrations, including Stripe, Adyen, Checkout.com, Braintree, Paymob, Klarna, PayPal, and Razorpay. Developer materials document REST and JSON, an npm SDK, Docker, and a self-hosted Rust binary. OpenSwitch says it does not custody funds; settlements occur directly between PSPs and customers' bank accounts. Open Source is free; Cloud is priced on request per orchestrated 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.