Zru
ClaimedConnect to 200+ payment providers and methods with one integration
Paid plans onlyVisit WebsiteTracked since2026
The Bottom Line
- Best for
- Merchants with complex payment operations across multiple providers or countries who need routing control.
- Price
- Paid plans only. Compare plans
Key facts
- Connects to 190+ payment methods across 170+ countries and 140+ currencies
- Routing rules, payment methods and checkout are configured
- Includes network tokenization, agnostic 3DS, a token vault and subscriptions
Pros
- Fallback routing recovers payments that a single provider would have declined
- Local payment methods for new countries are activated from the dashboard, without a development cycle
- Routing rules and checkout are configured without development work
- Merchants keep their existing acquiring contracts and negotiate their own rates
- One integration covers 190+ payment methods across 170+ countries
- Network tokenization, agnostic 3DS and token vault included
- PCI DSS Level 1, so merchants never store card data
- Marketplace payments: split funds and settle with multiple sellers, independently of the processor
Cons
- Requires an integration before going live, unless only payment links are used
What is Zru?
Zru is a payment orchestration platform. Merchants integrate once and connect to 200+ PSPs, acquirers and payment methods, including wallets and local methods. It includes a token vault that stores card credentials independently of any provider, network tokenization and provider-agnostic 3DS. Routing rules decide which provider handles each transaction, with fallback when one declines. Rules, providers and checkout are configured from the dashboard, without code.
Available on: Web, API, iOS, Android
Preview
Key Features
- Payment orchestration with fallback routing
- Single integration to 190+ payment methods
- Token vault
- Network tokenization
- Agnostic 3DS
- Marketplace split payments
- Subscriptions and recurring payments
- Payment links, QR and IVR
Pricing Plans
Pricing checked Sep 21, 2026
| Plan | Price | Details |
|---|---|---|
| Custom | Custom |
+2 moreShow less
|
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Zru FAQ
How does Zru help a merchant expand into new international markets?
Zru connects merchants to over 200 payment providers and methods with a single integration. Merchants can activate local payment methods from the dashboard for new countries without any development work, covering 190+ methods across 170+ countries.
How does Zru compare to Adyen in terms of letting merchants keep their existing acquiring contracts?
Zru allows merchants to keep their existing acquiring contracts and negotiate their own rates, unlike Adyen which typically requires merchants to use Adyen's own acquiring. This gives merchants more control over their payment costs and relationships.
What kind of integration effort does Zru require before going live?
Zru requires an integration before going live unless the merchant only uses payment links. This means some initial development effort is needed to connect Zru to the merchant's checkout flow.
Which teams benefit most from Zru's no-code configuration of routing rules and checkout?
Development teams benefit because they only integrate once, while business and operations teams can manage routing rules and checkout settings from the dashboard without writing code.
Does Zru include a free tier?
No, Zru is a paid product and does not offer a permanently free tier.
Can Zru handle marketplace payments where funds need to be split among multiple sellers?
Yes, Zru supports marketplace payments that allow splitting funds and settling with multiple sellers independently of the payment processor.
How does Zru's fallback routing work when a payment provider declines a transaction?
Zru's routing rules automatically try an alternative provider when one declines, recovering payments that a single provider would have lost.
Why would a merchant choose Zru's single integration over connecting to each payment provider individually?
A single integration gives merchants access to over 200 payment providers and methods, including wallets and local methods, without needing separate technical work for each one. Routing rules, token vault, and 3DS are all managed centrally.
Source: zrupay.com