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Zai (formerly Assembly)

Zai (formerly Assembly)

Australian Payment Infrastructure

VS

CRIF RealTime

C
Fees from
1.5%–2.8% + $0.3 vs Custom
Features

0 shared

2 unique to Zai (formerly Assembly)
Regions

0 shared

1 unique to Zai (formerly Assembly) · 1 unique to CRIF RealTime
Pay methods

0 shared

5 unique to Zai (formerly Assembly) · 1 unique to CRIF RealTime
On region

Both cover 1 regions. Verify directly with each provider before signing.

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Show full specs
2 features · 6 payment methods · 2 regions. We don't rank these — they're here for reference.
Zai (formerly Assembly) Zai (formerly Assembly)
CRIF RealTime
Quick Facts
Fees
Standard transaction rate
1.5%–2.8% + $0.3
Custom
Settlement
Time to receive funds
—
—
Founded
2012
—
Headquarters
Australia
Bologna, Italy
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Zai (formerly Assembly) leads (2 vs 0)
Enterprise Unique
✓
—
Instant Sandbox Unique
✓
—
Payment Methods
Zai (formerly Assembly) leads (5 vs 1)
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Mastercard Unique
✓
—
Sepa Unique
—
✓
Visa Unique
✓
—
Regions
Europe Unique
—
✓
Oceania Unique
✓
—

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

Australian Payment Infrastructure
Need Enterprise
Not available with CRIF RealTime
Need Instant Sandbox
Not available with CRIF RealTime
Want coverage in Oceania
CRIF RealTime doesn't cover this region
View Zai (formerly Assembly)

CRIF RealTime is best when you...

Want coverage in Europe
Zai (formerly Assembly) doesn't cover this region
View CRIF RealTime

Frequently Asked Questions

What is the difference between Zai (formerly Assembly) and CRIF RealTime?
They share 0 payment methods and 0 regions. Zai (formerly Assembly) adds Bank Transfer, Credit Card, Debit Card and 2 more that CRIF RealTime does not list; CRIF RealTime adds SEPA that Zai (formerly Assembly) does not list; Zai (formerly Assembly) also covers Oceania; CRIF RealTime also covers Europe.
Which is cheaper, Zai (formerly Assembly) or CRIF RealTime?
Zai (formerly Assembly) has published rates from 1.5%–2.8% + $0.3; CRIF RealTime 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 CRIF RealTime?
Zai (formerly Assembly) lists 1 region and 5 payment methods; CRIF RealTime lists 1 and 1. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zai (formerly Assembly) and CRIF RealTime compare on integration and settlement?
Zai (formerly Assembly) offers a sandbox, CRIF RealTime does not list one; Zai (formerly Assembly) supports webhooks.

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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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