Zai vs Zoneless
Zai
hellozai.comZoneless
zoneless.comSide by side
| Figure | Zai | Zoneless |
|---|---|---|
| Price from | — | $99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 2 | 4 |
| Spec score · Marketplace Payment Platforms | 6.7 (#27) | 7.7 (#9) |
| Integrations | Integration options include RESTful APIs, hosted forms, iframe-based hosted fields, and CMS plugins; the site names WooCommerce as a plugin. | The maker documents a Node.js SDK named @zoneless/node and a Didit connection for identity checks. |
| Product | Zai provides an API-powered platform for collecting, sending, and orchestrating business payments. | Zoneless is an open-source payments platform for checkout, subscriptions, marketplace accounts, and payouts using USDC. |
| Security | Zai says it is a PCI DSS compliant Level 1 Service Provider and undergoes regular audits and reviews by card schemes and partner banks. | Its security policy asks vulnerability reports to be sent through GitHub Security Advisories or directly to maintainers and provides response targets of 48 hours for initial response and seven days for a status update. |
| Support | Zai says customers receive a dedicated account manager and access to in-house developers for payment support. | Cloud Free includes community support, Pro includes faster email support, and Scale includes priority support. |
Plans
In their own words
Zoneless
Zoneless is an open-source payments platform for checkout, subscriptions, marketplace accounts and payouts using USDC. Customers can pay through hosted checkout, products or payment links. Marketplaces can collect seller details and connect wallets through a hosted onboarding flow, with seller verification rules and reviews available. The service supports recurring payments, invoices and subscription status management. Payouts use USDC on Solana; the maker says they usually arrive within seconds and that Zoneless charges no payout fee, while Solana network fees are currently around $0.002 per payout. Its API uses Stripe object shapes, webhook patterns and idempotency conventions, and a Node.js SDK is documented. Zoneless runs as a managed cloud service or can be self-hosted with Docker and Docker Compose. Cloud Free is free for up to 1,000 payouts per month; Pro is $99 a month, and Scale is $499 a month. Self-hosted is free.