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Zen Payments

Zen Payments

High-Risk Merchant Processing

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
Custom vs Interchange + 1%–2% + €0.3
Features

2 shared

7 unique to CatalystPay
Regions

1 shared

4 unique to CatalystPay
Pay methods

4 shared

8 unique to CatalystPay
On fees

Zen Payments uses custom pricing, quoted on engagement. CatalystPay publishes Interchange + 1%–2% + €0.3 from. Verify directly with each provider before signing.

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Show full specs
9 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
Zen Payments Zen Payments
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
Custom
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
Same day
5–7 business days
Founded
2016
2019
Headquarters
Provo, Utah, USA
Belfast, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
CatalystPay leads (9 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted
✓
✓
Low Fees Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments
✓
✓
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 4)
Apple Pay
✓
✓
Bitcoin Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Direct Debit Unique
—
✓
Google Pay
✓
✓
Lightning Network Unique
—
✓
Mastercard Unique
—
✓
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
CatalystPay leads (5 vs 1)
Europe Unique
—
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Southeast Asia Unique
—
✓

Zen Payments is best when you...

High-Risk Merchant Processing
View Zen Payments

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with Zen Payments
Need Enterprise
Not available with Zen Payments
Want coverage in Europe, Global, Middle East, Southeast Asia
Zen Payments doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between Zen Payments and CatalystPay?
They share 4 payment methods and 1 region. CatalystPay adds Bitcoin, Cartes Bancaires, Direct Debit and 5 more that Zen Payments does not list; CatalystPay also covers Europe, Global and 2 more; only CatalystPay offers Crypto Support, Enterprise and 5 more.
Which is cheaper, Zen Payments or CatalystPay?
Zen Payments has custom pricing quoted on engagement; CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Zen Payments and CatalystPay?
Zen Payments lists 1 region and 4 payment methods; CatalystPay lists 5 and 12. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zen Payments and CatalystPay compare on integration and settlement?
both offer a sandbox; both support webhooks; Zen Payments settles in Same day, CatalystPay in 5–7 business days.

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