PayServ Multi-PSP Platform vs ZenPays
PayServ Multi-PSP Platform
payserv.comZenPays
zenpays.comSide by side
| Figure | PayServ Multi-PSP Platform | ZenPays |
|---|---|---|
| Price from | $99/mo | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 6 | 0 |
| Spec score · Payment Orchestration Platforms | 8.7 (#6) | 6.6 (#25) |
| Compliance | PayServ identifies itself as an Independent Software Vendor and software aggregator, and says its integration scope is PCI-DSS SAQ A. | ZenPays says merchants must complete KYB/KYC and pass underwriting, and that compliance certifications are available upon request. |
| Integrations | PayServ documentation describes connectors for providers including Stripe, Adyen and PayPal, while the homepage lists wallets and ACH payment methods. | ZenPays advertises 527+ integrated payment methods and providers in its connector directory. |
| Intended users | The company describes its intended users as merchants, banks, fintech companies, engineering teams, ISVs, and platforms. | The homepage names marketplaces, SaaS, travel, gaming, forex, digital goods, cross-border merchants, and crypto-native businesses as target segments. |
| Payment methods | The homepage lists Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay, PayPal, Venmo, Cash App and ACH bank transfer support. | Supported payment categories include cards, e-wallets, bank transfers, local payment methods, and stablecoin rails. |
| Routing | The developer documentation describes weighted split routing and automatic failover routing without application redeployment. | Its routing engine uses rules and machine learning to optimize for cost, approval, and speed, with cascading retries for soft declines. |
| Security | The platform page says PSP-hosted fields capture card data, raw cardholder data does not transit PayServ servers, and credentials are encrypted at rest with AES-256-GCM and transmitted over TLS 1.3. | 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 Free, email and chat for Scale, priority support for Growth, and a dedicated customer success manager 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
PayServ Multi-PSP Platform
- FreeFree
- Scale$99 a month
- Growth$299 a month
- CustomPriced on request
- EnterprisePriced on request
- StandardPriced on request
In their own words
PayServ Multi-PSP Platform
PayServ Multi-PSP Platform helps merchants evaluate, test, certify, and route payments across payment service providers. It supports automated functional, regression, and performance testing, parallel PSP evaluation, and certification reports. Named provider connections include Stripe, Adyen, Fiserv, PayPal, Authorize.net, Square, Payoneer, and Braintree. Configurable routing and automatic failover are available; the product page states rerouting takes under 800ms. A unified REST API and client SDKs for Node.js, Java, Python, and PHP support integration work. PayServ's AI agents answer PSP integration questions, generate code, and create test scenarios. The Free plan costs nothing and includes one PSP sandbox connection and up to 500 test transactions per month, plus 20 AI Copilot queries per day and 50+ test scenarios. Scale costs $99 a month; Growth costs $299 a month. A 14-day trial is listed. PayServ says provider-hosted fields capture card data, raw cardholder data does not pass through its servers, and credentials are encrypted at rest with AES-256-GCM and in transit over TLS 1.3.
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.