PayOrc vs ZenPays
PayOrc
payorc.comZenPays
zenpays.comSide by side
| Figure | PayOrc | ZenPays |
|---|---|---|
| Price from | $25/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 3 | 0 |
| Spec score · Payment Orchestration Platforms | 8.7 (#5) | 6.6 (#25) |
| Integrations | PayOrc lists more than 100 integrations spanning e-commerce platforms, payment methods, wallets, banks, PSPs, ERP systems and CRMs. | ZenPays advertises 527+ integrated payment methods and providers in its connector directory. |
| Payment methods | The gateway supports cards, UPI, wallets, net banking, BNPL, QR payments and bank transfers through one API. | Supported payment categories include cards, e-wallets, bank transfers, local payment methods, and stablecoin rails. |
| Product | PayOrc describes itself as a unified payment orchestration layer for merchants, payment providers, banks, and technology platforms. | ZenPays describes itself as a payment orchestration platform for authorization, capture, refunds, payouts, disputes, and settlement across fiat and stablecoin rails. |
| Routing | Its intelligent routing engine selects a processor in real time, and the site says authorization rates can improve by up to 15%. | Its routing engine uses rules and machine learning to optimize for cost, approval, and speed, with cascading retries for soft declines. |
| Security | The security page lists PCI DSS Level 1, ISO/IEC 27001:2022, and ISO 9001 certifications. | 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 developer page says developer support is available through Slack, email, and video calls. | 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
PayOrc
PayOrc is a payment orchestration layer for merchants, payment providers, banks and technology platforms. Its routing engine chooses a processor in real time, and automatic retries can follow fallback chains when payments fail. The product lineup includes payment links, QR payments, subscriptions, invoicing, branded checkout, POS and fraud risk tools. Supported payment methods include cards, wallets, Apple Pay, Google Pay, SEPA and BNPL through one integration. PayOrc says it connects to more than 100 providers and systems, including Stripe, Adyen, Razorpay, WooCommerce, Shopify, Salesforce and SAP. Developers have a REST API, webhooks and SDKs for Node.js, Python, PHP, Java, Ruby and Go, as well as web, Android, iOS and Flutter SDKs. Starter is free, limited to one PSP and up to USD 5k monthly TPV. Growth costs $25 a month, includes five PSPs and covers more than USD 5k to USD 100k monthly TPV. Domestic card fees are listed as 2.90% + $0.30 for Starter and 2.70% + $0.30 for Growth; displayed MDRs are indicative and tax-exclusive.
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.