Zai (formerly Assembly) vs Budpay — Settlement speed

Zai (formerly Assembly)

Australian Payment Infrastructure

Budpay

Nigerian Payment Infrastructure

Fees from

1.5%–2.8% + $0.3 vs 1.5% capped at NGN 2,000

Features

0 shared

2 unique to Zai (formerly Assembly) · 2 unique to Budpay

Regions

0 shared

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

Pay methods

3 shared

2 unique to Zai (formerly Assembly) · 2 unique to Budpay

On settlement

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

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Show full specs

4 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.

Zai (formerly Assembly)

Budpay

Quick Facts

Fees

Standard transaction rate

1.5%–2.8% + $0.3

1.5% capped at NGN 2,000

Settlement

Time to receive funds

—

1–2 business days

Founded

2012

2018

Headquarters

Australia

Lagos, Nigeria

Sandbox / Test Mode

✓

Webhook Support

✓

Features

Enterprise Unique

✓

—

Instant Payout Unique

—

✓

Instant Sandbox Unique

✓

—

Startup Friendly Unique

—

✓

Payment Methods

Bank Transfer

✓

Credit Card

✓

Debit Card

✓

Mastercard Unique

✓

—

Mobile Money Unique

—

✓

Ussd Unique

—

✓

Visa Unique

✓

—

Regions

Africa Unique

—

✓

Oceania Unique

✓

—

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

Australian Payment Infrastructure

Need Enterprise

Not available with Budpay

Need Instant Sandbox

Not available with Budpay

Want coverage in Oceania

Budpay doesn't cover this region

View Zai (formerly Assembly)

Budpay is best when you...

Nigerian Payment Infrastructure

Need Instant Payout

Not available with Zai (formerly Assembly)

Need Startup Friendly

Not available with Zai (formerly Assembly)

Want coverage in Africa

Zai (formerly Assembly) doesn't cover this region

View Budpay

Frequently Asked Questions

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

They share 3 payment methods and 0 regions. Zai (formerly Assembly) adds Mastercard, Visa that Budpay does not list; Budpay adds Mobile Money, USSD that Zai (formerly Assembly) does not list; Zai (formerly Assembly) also covers Oceania; Budpay also covers Africa.

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

Zai (formerly Assembly) has published rates from 1.5%–2.8% + $0.3; Budpay has published rates from 1.5% capped at NGN 2,000. 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 Budpay?

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

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

both offer a sandbox; both support webhooks; Budpay publishes a settlement time of 1–2 business days.

Are you Zai (formerly Assembly) or Budpay?

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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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