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Zai (formerly Assembly)

Zai (formerly Assembly)

Australian Payment Infrastructure

VS

Waystar

Healthcare Revenue Cycle

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

1 shared

1 unique to Zai (formerly Assembly)
Regions

0 shared

1 unique to Zai (formerly Assembly) · 1 unique to Waystar
Pay methods

2 shared

3 unique to Zai (formerly Assembly) · 2 unique to Waystar
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
2 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.
Zai (formerly Assembly) Zai (formerly Assembly)
Waystar Waystar
Quick Facts
Fees
Standard transaction rate
1.5%–2.8% + $0.3
Custom
Settlement
Time to receive funds
—
1–3 business days
Founded
2012
2017
Headquarters
Australia
Louisville, Kentucky
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Zai (formerly Assembly) leads (2 vs 1)
Enterprise
✓
✓
Instant Sandbox Unique
✓
—
Payment Methods
Zai (formerly Assembly) leads (5 vs 4)
Ach Unique
—
✓
Bank Transfer Unique
✓
—
Check Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Mastercard Unique
✓
—
Visa Unique
✓
—
Regions
North America Unique
—
✓
Oceania Unique
✓
—

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

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

Waystar is best when you...

Healthcare Revenue Cycle
Want coverage in North America
Zai (formerly Assembly) doesn't cover this region
View Waystar

Frequently Asked Questions

What is the difference between Zai (formerly Assembly) and Waystar?
They share 2 payment methods and 0 regions. Zai (formerly Assembly) adds Bank Transfer, Mastercard, Visa that Waystar does not list; Waystar adds ACH, Check that Zai (formerly Assembly) does not list; Zai (formerly Assembly) also covers Oceania; Waystar also covers North America.
Which is cheaper, Zai (formerly Assembly) or Waystar?
Zai (formerly Assembly) has published rates from 1.5%–2.8% + $0.3; Waystar 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 Waystar?
Zai (formerly Assembly) lists 1 region and 5 payment methods; Waystar lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zai (formerly Assembly) and Waystar compare on integration and settlement?
both offer a sandbox; both support webhooks; Waystar publishes a settlement time of 1–3 business days.

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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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