Menu

Discover

All Providers Compare Use Cases Find Your Provider

Solutions

Connect License Watch MCP Partnership Claim Listing Get Listed Verified Listings Pricing

Resources

Blog About Contact
Log in Join free
Zeffy

Zeffy

Zero-Fee Nonprofit Payments

VS

Xero Payments

Xero Accounting Payments

Xero Payments
Fees from
Free vs 1.5% - 2.9% per transaction
Features

1 shared

2 unique to Zeffy
Regions

1 shared

2 unique to Xero Payments
Pay methods

4 shared

2 unique to Zeffy · 1 unique to Xero Payments
On fees

Zeffy publishes Free from. Xero Payments publishes 1.5% - 2.9% per transaction from. Verify directly with each provider before signing.

Want a personalized shortlist? Get matched
2-minute quiz

Still deciding? Find your perfect match.

Answer a few questions about your business type, volume, and must-have features. We'll recommend the best provider for your specific needs.

Find my match

Free. Takes 2 minutes. No account required.

For developers · MCP

Tired of clicking around? Use our MCP.

Point Claude, ChatGPT, or Cursor at our endpoint. compare_providers returns the same data — in one tool call. Free preview, no API key.

See how it works
Show full specs
3 features · 7 payment methods · 3 regions. We don't rank these — they're here for reference.
Zeffy Zeffy
Xero Payments Xero Payments
Quick Facts
Fees
Standard transaction rate
Free
1.5% - 2.9% per transaction
Settlement
Time to receive funds
—
2–3 business days
Founded
2018
2006
Headquarters
Montreal, Canada
Wellington, New Zealand
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Zeffy leads (3 vs 1)
Low Fees Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Zeffy leads (6 vs 5)
Ach Unique
✓
—
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Direct Debit Unique
—
✓
Google Pay
✓
✓
Regions
Xero Payments leads (3 vs 1)
Europe Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Zeffy is best when you...

Zero-Fee Nonprofit Payments
Need Low Fees
Not available with Xero Payments
Need Startup Friendly
Not available with Xero Payments
View Zeffy

Xero Payments is best when you...

Xero Accounting Payments
Want coverage in Europe, Oceania
Zeffy doesn't cover these regions
View Xero Payments

Frequently Asked Questions

What is the difference between Zeffy and Xero Payments?
They share 4 payment methods and 1 region. Zeffy adds ACH, Bank Transfer that Xero Payments does not list; Xero Payments adds Direct Debit that Zeffy does not list; Xero Payments also covers Europe, Oceania; only Zeffy offers Low Fees, Startup Friendly.
Which is cheaper, Zeffy or Xero Payments?
Zeffy has published rates from Free; Xero Payments has published rates from 1.5% - 2.9% per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Zeffy and Xero Payments?
Zeffy lists 1 region and 6 payment methods; Xero Payments lists 3 and 5. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zeffy and Xero Payments compare on integration and settlement?
Xero Payments offers a sandbox, Zeffy does not list one; both support webhooks; Xero Payments publishes a settlement time of 2–3 business days.

Are you Zeffy or Xero Payments?

Claim your profile to update information, respond to comparisons, and access visitor analytics.

Claim this profile
Compare Other Providers

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.

See something wrong? Report inaccurate info →