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Zeno Bank

Zeno Bank

Global payments

VS

BitPay

Bitcoin Payments

BitPay
Fees from
0.1% vs 1-2% + $0.25
Features

3 shared

3 unique to Zeno Bank · 1 unique to BitPay
Regions

4 shared

4 unique to Zeno Bank · 1 unique to BitPay
Pay methods

7 shared

8 unique to Zeno Bank · 3 unique to BitPay

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Show full specs
7 features · 18 payment methods · 9 regions. We don't rank these — they're here for reference.
Zeno Bank Zeno Bank
BitPay BitPay
Quick Facts
Fees
Standard transaction rate
0.1%
1-2% + $0.25
Settlement
Time to receive funds
Instant
Next business day
Founded
2025
2011
Headquarters
Samoa
Atlanta, Georgia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Zeno Bank leads (6 vs 4)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Zeno Bank leads (15 vs 10)
Arbitrum
✓
✓
Base Chain
✓
✓
Bill Payment Unique
—
✓
Bitcoin
✓
✓
Bnb Unique
✓
—
Crypto
✓
✓
Ethereum
✓
✓
Gift Card Unique
—
✓
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
Optimism Unique
—
✓
Polygon Unique
✓
—
Qr Code Unique
✓
—
Solana
✓
✓
Stablecoin
✓
✓
Tron Unique
✓
—
Usdc Unique
✓
—
Usdt Unique
✓
—
Regions
Zeno Bank leads (8 vs 5)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Global Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
✓
—
North America
✓
✓
Oceania
✓
✓
South America Unique
✓
—

Zeno Bank is best when you...

Global payments
Need Enterprise
Not available with BitPay
Need Low Fees
Not available with BitPay
Want coverage in Africa, Global, Middle East, South America
BitPay doesn't cover these regions
View Zeno Bank

BitPay is best when you...

Bitcoin Payments
Need Instant Sandbox
Not available with Zeno Bank
Want coverage in Latin America
Zeno Bank doesn't cover this region
View BitPay

Frequently Asked Questions

What is the difference between Zeno Bank and BitPay?
They share 7 payment methods and 4 regions. Zeno Bank adds BNB, Lightning Network, Litecoin and 5 more that BitPay does not list; BitPay adds Bill Payment, Gift Card, Optimism that Zeno Bank does not list; Zeno Bank also covers Africa, Global and 2 more; BitPay also covers Latin America.
Which is cheaper, Zeno Bank or BitPay?
Zeno Bank has published rates from 0.1%; BitPay has published rates from 1-2% + $0.25. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Zeno Bank and BitPay?
Zeno Bank lists 8 regions and 15 payment methods; BitPay lists 5 and 10. both cover Asia, Europe, North America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zeno Bank and BitPay compare on integration and settlement?
both offer a sandbox; both support webhooks; Zeno Bank settles in Instant, BitPay in Next business day.

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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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