Zai
Zai is an Australian fintech platform for collecting, sending, and orchestrating business payments through a web service and API.
What Zai is
Zai is an Australian fintech platform for collecting, sending, and orchestrating business payments through a web service and API. It accepts cards, PayTo through the NPP, BECS Direct Debit, BPAY, and bank transfers. Businesses can split, hold, route, and disburse funds to multiple parties, while virtual accounts and PayIDs help match incoming payments in real time. Integration options include RESTful APIs, hosted forms, iframe-based hosted fields, and CMS plugins such as WooCommerce. The WooCommerce plugin requires WordPress 6.x, WooCommerce 7.x to 9.x, PHP 7.4 or higher, and a valid SSL certificate. Separate Live and Pre-live sandbox API environments are documented. Zai describes PCI DSS Level 1 compliance, tokenisation, fraud monitoring, and optional 3DS2 authentication for cards. Dedicated account managers and in-house developers support customers. UK credit-card and direct-debit transactions are not yet available. Pricing is custom or per card transaction, with fees excluding GST.
Good
- Supports cards, PayTo, BECS, BPAY, and bank transfers
- Splits, holds, routes, and disburses funds
- Real-time matching with virtual accounts and PayIDs
- REST APIs, hosted forms, and WooCommerce integration
- Dedicated account manager and developer support
Watch out
- No free plan
- UK credit-card and direct-debit transactions unavailable
- WooCommerce requires specific WordPress, WooCommerce, PHP, and SSL setup
Who it suits
Zai suits businesses handling marketplace, fintech, healthtech, payroll, SaaS, proptech, or retail payments. It is intended for organizations needing payment workflows, integrations, and seller onboarding support.
Verdict
Zai combines broad Australian payment-method support with workflow tools for routing and distributing funds. Check UK transaction availability and transaction-based pricing before choosing it.
Plans and prices
From Zai's own pricing page, checked 2 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Customised | Priced on request | Volume discounts · Multi-product discounts · Country-specific rates · Interchange pricing · Custom package; contact sales. |
| Standard | Priced on request | Australia pricing shown · Domestic card rate includes American Express, Mastercard and Visa · Custom pricing available for large payment volumes, high-value transactions, or unique business models · Per card transaction; fees exclude GST. |
The facts
Each one read from Zai's own pages, with the date it was checked.
What it does
- API environments
- The API reference documents separate Live production and Pre-live sandbox environments.checked 2 Oct 2026
- Availability limit
- The API reference says UK credit-card and direct-debit transactions are not yet available.checked 2 Oct 2026
- Fraud controls
- The payment collection page describes cardholder-data tokenisation, fraud monitoring, and optional 3DS2 step-up authentication for card payments.checked 2 Oct 2026
- Integrations
- Integration options include RESTful APIs, hosted forms, iframe-based hosted fields, and CMS plugins; the site names WooCommerce as a plugin.checked 2 Oct 2026
- Markets and users
- Zai describes itself as an Australian fintech payments provider and lists fintech, marketplaces, healthtech, payroll, SaaS, proptech, and retail among the business sectors it serves.checked 2 Oct 2026
- Payment methods
- Its collection page lists cards, PayTo through the NPP, BECS Direct Debit, BPAY, and bank transfers as supported payment methods.checked 2 Oct 2026
- Payment workflows
- The platform supports workflows for splitting, holding, routing, and disbursing funds to multiple parties.checked 2 Oct 2026
- Product
- Zai provides an API-powered platform for collecting, sending, and orchestrating business payments.checked 2 Oct 2026
- Reconciliation
- Virtual accounts and PayIDs can be used to match incoming payments in real time.checked 2 Oct 2026
- 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.checked 2 Oct 2026
- Support
- Zai says customers receive a dedicated account manager and access to in-house developers for payment support.checked 2 Oct 2026
- WooCommerce requirements
- The WooCommerce plugin page specifies WordPress 6.x, WooCommerce 7.x to 9.x, PHP 7.4 or higher, and a valid SSL certificate.checked 2 Oct 2026
The company
- Founded
- 2021checked 28 Sep 2026
- Headquarters
- Melbourne, Victoria, Australiachecked 28 Sep 2026
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