Zai (formerly Assembly) vs Alipay — Licensing & entity

Zai (formerly Assembly)

Australian Payment Infrastructure

Alipay

Chinese Consumers

Fees from

1.5%–2.8% + $0.3 vs Custom

Features

1 shared

1 unique to Zai (formerly Assembly) · 1 unique to Alipay

Regions

1 shared

7 unique to Alipay

Pay methods

2 shared

3 unique to Zai (formerly Assembly) · 5 unique to Alipay

On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs

3 features · 10 payment methods · 8 regions. We don't rank these — they're here for reference.

Zai (formerly Assembly)

Alipay

Quick Facts

Fees

Standard transaction rate

1.5%–2.8% + $0.3

Custom

Settlement

Time to receive funds

—

Next business day

Founded

2012

2004

Headquarters

Australia

Hangzhou, China

Sandbox / Test Mode

✓

Webhook Support

✓

Features

Enterprise

✓

Instant Payout Unique

—

✓

Instant Sandbox Unique

✓

—

Payment Methods

Alipay leads (7 vs 5)

Alipay Unique

—

✓

Bank Transfer Unique

✓

—

Credit Card Unique

✓

—

Debit Card Unique

✓

—

Digital Wallet Unique

—

✓

Jcb Unique

—

✓

Mastercard

✓

Qr Code Unique

—

✓

Unionpay Unique

—

✓

Visa

✓

Regions

Alipay leads (8 vs 1)

Africa Unique

—

✓

Asia Unique

—

✓

Europe Unique

—

✓

Latin America Unique

—

✓

Middle East Unique

—

✓

North America Unique

—

✓

Oceania

✓

Southeast Asia Unique

—

✓

Zai (formerly Assembly) is best when you...

Australian Payment Infrastructure

Need Instant Sandbox

Not available with Alipay

View Zai (formerly Assembly)

Alipay is best when you...

Chinese Consumers

Need Instant Payout

Not available with Zai (formerly Assembly)

Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Southeast Asia

Zai (formerly Assembly) doesn't cover these regions

View Alipay

Frequently Asked Questions

What is the difference between Zai (formerly Assembly) and Alipay?

They share 2 payment methods and 1 region. Zai (formerly Assembly) adds Bank Transfer, Credit Card, Debit Card that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 2 more that Zai (formerly Assembly) does not list; Alipay also covers Africa, Asia and 5 more; only Zai (formerly Assembly) offers Instant Sandbox.

Which is cheaper, Zai (formerly Assembly) or Alipay?

Zai (formerly Assembly) has published rates from 1.5%–2.8% + $0.3; Alipay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.

Where can I use Zai (formerly Assembly) and Alipay?

Zai (formerly Assembly) lists 1 region and 5 payment methods; Alipay lists 8 and 7. both cover Oceania. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

How do Zai (formerly Assembly) and Alipay compare on integration and settlement?

both offer a sandbox; both support webhooks; Alipay publishes a settlement time of Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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