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Zeno Bank

Zeno Bank

Global payments

VS

Niobi

African payments infrastructure for collections, payouts, and financial operations

Niobi
Fees from
0.1% vs Custom
Features

5 shared

1 unique to Zeno Bank · 5 unique to Niobi
Regions

2 shared

6 unique to Zeno Bank
Pay methods

3 shared

12 unique to Zeno Bank · 4 unique to Niobi
On licensing

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Show full specs
11 features · 19 payment methods · 8 regions. We don't rank these — they're here for reference.
Zeno Bank Zeno Bank
Niobi Niobi
Quick Facts
Fees
Standard transaction rate
0.1%
Custom
Settlement
Time to receive funds
Instant
—
Founded
2025
2023
Headquarters
Samoa
Nairobi, Kenya
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Niobi leads (10 vs 6)
Crypto Support
✓
✓
Enterprise
✓
✓
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Low Fees
✓
✓
Marketplace Support Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Virtual Items Unique
—
✓
Payment Methods
Zeno Bank leads (15 vs 7)
Arbitrum Unique
✓
—
Base Chain Unique
✓
—
Bitcoin Unique
✓
—
Bnb Unique
✓
—
Crypto Unique
✓
—
Eft Unique
—
✓
Ethereum Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
M Pesa Unique
—
✓
Mobile Wallet Unique
—
✓
Polygon Unique
✓
—
Qr Code Unique
✓
—
Solana Unique
✓
—
Stablecoin
✓
✓
Swift Unique
—
✓
Tron Unique
✓
—
Usdc
✓
✓
Usdt
✓
✓
Regions
Zeno Bank leads (8 vs 2)
Africa
✓
✓
Asia Unique
✓
—
Europe Unique
✓
—
Global
✓
✓
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—
South America Unique
✓
—

Zeno Bank is best when you...

Global payments
Need High Risk Accepted
Not available with Niobi
Want coverage in Asia, Europe, Middle East, North America, Oceania, South America
Niobi doesn't cover these regions
View Zeno Bank

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Marketplace Support
Not available with Zeno Bank
Need Mobile Payments
Not available with Zeno Bank
View Niobi

Frequently Asked Questions

What is the difference between Zeno Bank and Niobi?
They share 3 payment methods and 2 regions. Zeno Bank adds Arbitrum, Base, Bitcoin and 9 more that Niobi does not list; Niobi adds EFT, M-Pesa, Mobile Wallet and 1 more that Zeno Bank does not list; Zeno Bank also covers Asia, Europe and 4 more; only Zeno Bank offers High Risk Accepted.
Which is cheaper, Zeno Bank or Niobi?
Zeno Bank has published rates from 0.1%; Niobi 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 Zeno Bank and Niobi?
Zeno Bank lists 8 regions and 15 payment methods; Niobi lists 2 and 7. both cover Africa, Global. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zeno Bank and Niobi compare on integration and settlement?
both offer a sandbox; both support webhooks; Zeno Bank publishes a settlement time of Instant.

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