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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 settlement

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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.

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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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