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Zeno Bank

Zeno Bank

Global payments

VS

Paygatex

Paygatex
Fees from
0.1% vs 0.2%–1%
Features

5 shared

1 unique to Zeno Bank · 4 unique to Paygatex
Regions

6 shared

2 unique to Zeno Bank · 2 unique to Paygatex
Pay methods

12 shared

3 unique to Zeno Bank · 6 unique to Paygatex

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10 features · 21 payment methods · 10 regions. We don't rank these — they're here for reference.
Zeno Bank Zeno Bank
Paygatex Paygatex
Quick Facts
Fees
Standard transaction rate
0.1%
0.2%–1%
Settlement
Time to receive funds
Instant
Same day
Founded
2025
2023
Headquarters
Samoa
Saint Kitts and Nevis
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Paygatex leads (9 vs 6)
Crypto Support
✓
✓
Enterprise Unique
✓
—
High Risk Accepted
✓
✓
Instant Payout
✓
✓
Low Fees
✓
✓
Marketplace Support Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Paygatex leads (18 vs 15)
Arbitrum
✓
✓
Base Chain Unique
✓
—
Bitcoin
✓
✓
Bnb
✓
✓
Crypto
✓
✓
Dogecoin Unique
—
✓
Ethereum
✓
✓
Invoice Unique
—
✓
Lightning Network
✓
✓
Litecoin
✓
✓
Monero Unique
—
✓
Optimism Unique
—
✓
Payment Link Unique
—
✓
Polygon Unique
✓
—
Qr Code Unique
✓
—
Solana
✓
✓
Stablecoin
✓
✓
Tron
✓
✓
Usdc
✓
✓
Usdt
✓
✓
Xrp Unique
—
✓
Regions
Africa
✓
✓
Asia
✓
✓
Europe Unique
✓
—
Global
✓
✓
Latin America Unique
—
✓
Middle East
✓
✓
North America Unique
✓
—
Oceania
✓
✓
South America
✓
✓
Southeast Asia Unique
—
✓

Zeno Bank is best when you...

Global payments
Need Enterprise
Not available with Paygatex
Want coverage in Europe, North America
Paygatex doesn't cover these regions
View Zeno Bank

Paygatex is best when you...

Need Marketplace Support
Not available with Zeno Bank
Need Multi Currency
Not available with Zeno Bank
Want coverage in Latin America, Southeast Asia
Zeno Bank doesn't cover these regions
View Paygatex

Frequently Asked Questions

What is the difference between Zeno Bank and Paygatex?
They share 12 payment methods and 6 regions. Zeno Bank adds Base, Polygon, QR Code that Paygatex does not list; Paygatex adds Dogecoin, Invoice, Monero and 3 more that Zeno Bank does not list; Zeno Bank also covers Europe, North America; Paygatex also covers Latin America, Southeast Asia.
Which is cheaper, Zeno Bank or Paygatex?
Zeno Bank has published rates from 0.1%; Paygatex has published rates from 0.2%–1%. 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 Paygatex?
Zeno Bank lists 8 regions and 15 payment methods; Paygatex lists 8 and 18. both cover Africa, Asia, Global and 3 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zeno Bank and Paygatex compare on integration and settlement?
both offer a sandbox; both support webhooks; Zeno Bank settles in Instant, Paygatex in Same day.

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