Simplify vendor payments
and event billing.
Collect booth fees and deposits, take payments online, split payouts to vendors automatically and invoice without spreadsheets, for markets, festivals, fairs and trade shows.
Approval, funding times and account standing are decided by our payment processing partner and are not guaranteed. What to expect
Payments built into
the platform you run.
One flat rate, funding that is typically next business day, extra room on your plan and a support team that already knows your marketplace.
One flat rate
2.9% + 30¢ per transaction, the same published online card rate as Stripe and Square. No setup fee, no monthly fee and no monthly minimum.
- One flat per-transaction rate
- No setup fees
- No monthly minimums
- No cancellation fees
Bonus allowances
Use Zinifly Payments and your plan gets extra events, vendors and venues at no extra charge.
- +5 events per month
- +50 vendors
- +2 venues
- Applied to your plan automatically
Next-business-day funding
Eligible accounts are typically funded the next business day. Weekends, bank holidays and transaction reviews can add time.
- Typically next business day
- Automatic transfers to your bank
- Detailed transaction reports
Fast application review
Apply from your dashboard. Most applications get a decision within one business day; some need more documents and take longer.
- Apply inside Zinifly
- Decision typically in one business day
- Help from our team with documents
Underwritten up front
Your business is reviewed when you apply, before your first payment, rather than once payments are already flowing. Ongoing risk monitoring still applies, as it does with every processor.
- Reviewed when you apply
- Help responding to processor requests
- Holds and reserves explained in our Terms
One support team
Real people who know your marketplace. The same team supports your payments and your software.
- Email and phone support
- 9 AM to 5 PM Central, Mon to Fri
- One contact for payments and software
The plain-English
version of the terms.
Zinifly Payments is a merchant account provided through a third-party payment processor. These are the conditions that come with any card processing account, including this one.
Approval is underwriting
Applications are reviewed by our payment processing partner. Most get a decision within one business day. Some need more documents, and some are declined.
Funding times are typical
Eligible accounts are usually funded the next business day. Weekends, bank holidays, your bank and transaction reviews can add time. Timing shown in the platform is an estimate.
Holds and reserves can happen
Like every card processor, our partner monitors accounts and may delay or hold funds, set a reserve, or suspend or close an account to manage fraud, chargeback or compliance risk.
Pricing can change
The rate shown is the rate published today. Pricing can change prospectively, with notice, as described in our Terms and your processing agreement. Chargebacks and disputes can carry their own fees.
Zinifly Payments is subject to the payment processor’s own terms and to Section 12 (Payment Processing) of the Zinifly Terms of Service. Nothing on this page is a guarantee of approval, of a funding time or of continued processing.
Zinifly Payments
next to the usual options.
Card rates are each provider’s published standard online rate for U.S. businesses, checked in September 2026. The other rows describe how each option works inside Zinifly.
| Feature | Zinifly Payments | Square | Stripe | PayPal |
|---|---|---|---|---|
| Published online card rate | 2.9% + 30¢ | 2.9% + 30¢ | 2.9% + 30¢ | 3.49% + 49¢ |
| Bonus events, vendors and venues | Yes | No | No | No |
| Where you apply | Inside Zinifly | At Square | At Stripe | At PayPal |
| Who supports the payments account | Zinifly | Square | Stripe | PayPal |
| Integrated with the platform | Built in | Connected | Connected | Connected |
Square, Stripe and PayPal remain fully supported. You can connect any of them instead of, or alongside, Zinifly Payments. Rates shown are Stripe’s standard domestic card rate, Square’s Online API rate and the PayPal Checkout rate, as published by each provider in September 2026. Providers change their pricing, so check their sites for current terms.
Reviewed before you start,
inside the platform you use.
You can connect an outside processor to Zinifly, or apply for Zinifly Payments from your dashboard. Here is how the two routes differ.
- A separate account to openYou apply with the processor, verify your business there, then add your API keys to Zinifly.
- Verification can arrive laterInstant-signup processors let you start in minutes, and may ask for documents once payments are already flowing.
- Two places to ask for helpPayment questions go to the processor. Platform questions come to us.
- Standard plan limitsYour plan’s event, vendor and venue limits apply as published.
One account,
inside Zinifly.
A merchant account you apply for from your dashboard. Underwriting happens when you apply, funding is typically next business day, and the same team supports your payments and your software. Approval and account standing are decided by our processing partner.
- Apply from your dashboard
- Underwritten when you apply
- Typically funded the next business day
- A person on the phone during business hours
Three steps to
accepting payments.
Apply once, from inside the platform you already use.
Choose Zinifly Payments
Create your Zinifly account and pick Zinifly Payments during setup, or select it in the payment settings of your existing marketplace.
Apply
Complete the merchant application with your business, ownership and bank details. Most applications get a decision within one business day; some need more documents.
Start processing
Once approved, accept card payments from vendors and customers, with funding typically the next business day and your bonus allowances added to your plan.
Everything about
Zinifly Payments.
Rates, funding, approvals and switching from another processor.
Something else? Email sales@zinifly.com or book a live demo.
What are the processing rates?
Zinifly Payments charges a flat rate of 2.9% + 30¢ per transaction, the same published online card rate as Stripe and Square. There is no setup fee, monthly fee or monthly minimum. Chargebacks and disputes can carry their own fees, as described in our Terms and your processing agreement.
What bonus features do I get?
When you use Zinifly Payments your plan receives 5 additional events per month, 50 additional vendors and 2 additional venues at no extra cost.
How fast do I get my money?
Eligible accounts are typically funded the next business day. Funding times are set by our processing partner and your bank, so weekends, bank holidays, account verification, a transaction review or a reserve can make a deposit take longer. Any timing shown in the platform is an estimate.
Can my funds be held or my account closed?
Yes. That is possible with any card processor, including this one. Zinifly Payments accounts are underwritten when you apply, which settles most questions before you take your first payment. After that, our processing partner continues to monitor accounts and can delay or hold funds, set a reserve, or suspend or close an account to manage fraud, chargeback or compliance risk. If that happens, our team will help you understand what is being asked for. Section 12 of our Terms of Service explains how this works.
How long does approval take?
Most applications get a decision within one business day. Applications that need more documents take longer, and approval is not guaranteed: it is an underwriting decision made by our processing partner.
Can I switch from Square or Stripe?
Yes. Apply for Zinifly Payments from your payment settings and, once approved, select it as your gateway. Your bonus allowances are added to your plan when you switch. You can also keep Square, Stripe or PayPal connected instead.
What types of payments can I accept?
All major credit and debit cards: Visa, Mastercard, American Express and Discover.
Is there a contract or commitment?
There is no long-term commitment, monthly minimum or cancellation fee. When you apply you accept a standard processing agreement with our processing partner, and you can stop using Zinifly Payments at any time.
What support do you offer?
Email and phone support from the Zinifly team, 9 AM to 5 PM Central, Monday to Friday. The same people support your payments and your marketplace software.
How do I get started?
Start a Zinifly trial and choose Zinifly Payments during setup, or open the payment settings of your existing account. Complete the merchant application, and once it is approved you can start accepting payments.
Ready to bring payments
into your marketplace?
One flat rate, payments built into the platform, and one team to call.
No setup fee, no monthly fee, no monthly minimum.
Business days, for eligible accounts. Timing is set by the processor.
Reviewed when you apply. Holds and reserves remain possible.