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What does Zact have those other platforms don't

Zact’s intelligent payment and flexible funding controls, along with bank-grade reliability & fraud protection, support extensive payment use-cases far beyond what legacy and emerging issuers can deliver.

compare
Capability
Zact
Legacy
Issuers*
Emerging
Issuers*
Why Zact?
Event-based, on-demand funding support required for multiple use-cases
Pie-chart 100%Pie-chart 0%Pie-chart 100%
  • Required for several use-cases including Delivery Platforms, Gig worker payroll, EWA, BNPL and Expense Management 
  • Legacy Issuers do not have APIs to support the shopper use-case
Broad payment types support
Pie-chart 100%Pie-chart 50%Pie-chart 100%
  • Zact can support multiple payment types including credit, debit, and bank transfers
  • Legacy and emerging Issuers cannot support multiple payments types
Intelligent payment controls to prevent fraud and misuse at all merchants
Pie-chart 100%Pie-chart 0%Pie-chart 100%
  • Required for Delivery Platforms, Expense Management, BNPL, and other shopper use-cases
  • Legacy Issuers do not provide an easy API driven mechanism to enforce this
Integrated approval workflows
Pie-chart 100%Pie-chart 0%Pie-chart 0%
  • Required for Expense Management, Payroll, and EWA use-cases
  • Zact integrates approval workflows for all budget changes
  • Emerging & Legacy Issuers do not support this
Accounting Integrations
Pie-chart 100%Pie-chart 0%Pie-chart 0%
  • Zact has a universal connector platform to integrate with most accounting systems
  • Required for Expense Management, Payroll, and EWA use-cases
Bank-grade reliability, fraud protection, and dispute handling
Pie-chart 100%Pie-chart 100%Pie-chart 50%
  • Emerging issuers have unproven reliability, limited fraud protection, and limited dispute handling capabilities
Global footprint
Pie-chart 100%Pie-chart 100%Pie-chart 50%
  • Zact leverages Fiserv's global deployment footprint of 100+ countries
  • Emerging issuers cannot support this
* Legacy issuers include Fiserv, FIS, & Galileo. Emerging issues include: Marqeta, Zeta, & Highnote
What does Zact have those other platforms don't
Capability
Event-based, on-demand funding support required for multiple use-cases
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 0%
Emerging Issuers*
Pie-chart 100%
Why Zact?
  • Required for several use-cases including Delivery Platforms, Gig worker payroll, EWA, BNPL and Expense Management 
  • Legacy Issuers do not have APIs to support the shopper use-case
Capability
Broad payment types support
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 50%
Emerging Issuers*
Pie-chart 50%
Why Zact?
  • Zact can support multiple payment types including credit, debit, and bank transfers
  • Legacy and emerging Issuers cannot support multiple payments types
Capability
Intelligent payment controls to prevent fraud and misuse at all merchants
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 0%
Emerging Issuers*
Pie-chart 100%
Why Zact?
  • Required for Delivery Platforms, Expense Management, BNPL, and other shopper use-cases
  • Legacy Issuers do not provide an easy API driven mechanism to enforce this
Capability
Integrated approval workflows
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 0%
Emerging Issuers*
Pie-chart 0%
Why Zact?
  • Required for Expense Management, Payroll, and EWA use-cases
  • Zact integrates approval workflows for all budget changes
  • Emerging & Legacy Issuers do not support this
Capability
Accounting Integrations
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 0%
Emerging Issuers*
Pie-chart 0%
Why Zact?
  • Zact has a universal connector platform to integrate with most accounting systems
  • Required for Expense Management, Payroll, and EWA use-cases
Capability
Bank-grade reliability, fraud protection, and dispute handling
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 100%
Emerging Issuers*
Pie-chart 50%
Why Zact?
  • Emerging issuers have unproven reliability, limited fraud protection, and limited dispute handling capabilities
Capability
Global footprint
Zact
Pie-chart 100%
Legacy Issuers*
Pie-chart 100%
Emerging Issuers*
Pie-chart 50%
Why Zact?
  • Zact leverages Fiserv's global deployment footprint of 100+ countries
  • Emerging issuers cannot support this
* Legacy issuers include Fiserv, FIS, & Galileo. Emerging issues include: Marqeta, Zeta, & Highnote

What is important to you?

We know every customer is not the same. At Zact, our focus is serving your needs. Please select how important each of the capabilities listed below are to your business to see how we serve your needs, and how this compares to the competition.

What is more
important for you?
Configure to see what product suit you the best
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Percent Match

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Logo Zact
Concur
Expensify
Divvy
Brex
Pie-chart 100%Pie-chart 0%Pie-chart 50%Pie-chart 75%Pie-chart 75%
Pie-chart 100%Pie-chart 0%Pie-chart 25%Pie-chart 25%Pie-chart 25%
Pie-chart 50%Pie-chart 100%Pie-chart 100%Pie-chart 75%Pie-chart 75%
Pie-chart 100%Pie-chart 100%Pie-chart 100%Pie-chart 50%Pie-chart 50%
Pie-chart 50%Pie-chart 100%Pie-chart 50%Pie-chart 25%Pie-chart 25%
Pie-chart 100%Pie-chart 25%Pie-chart 50%Pie-chart 100%Pie-chart 50%
Logo Zact
Pie-chart 100%
Interoperable spend management apps
Pie-chart 100%
Enforce before pay spend controls
Pie-chart 50%
Accounting Integrations
Pie-chart 100%
Fully compliant bank-grade payments platform
Pie-chart 50%
Analytics
Pie-chart 100%
Low cost
Concur
Pie-chart 0%
Interoperable spend management apps
Pie-chart 0%
Enforce before pay spend controls
Pie-chart 100%
Accounting Integrations
Pie-chart 100%
Fully compliant bank-grade payments platform
Pie-chart 100%
Analytics
Pie-chart 25%
Low cost
Expensify
Pie-chart 50%
Interoperable spend management apps
Pie-chart 25%
Enforce before pay spend controls
Pie-chart 100%
Accounting Integrations
Pie-chart 100%
Fully compliant bank-grade payments platform
Pie-chart 50%
Analytics
Pie-chart 50%
Low cost
Divvy
Pie-chart 75%
Interoperable spend management apps
Pie-chart 25%
Enforce before pay spend controls
Pie-chart 75%
Accounting Integrations
Pie-chart 50%
Fully compliant bank-grade payments platform
Pie-chart 25%
Analytics
Pie-chart 100%
Low cost
Brex
Pie-chart 75%
Interoperable spend management apps
Pie-chart 25%
Enforce before pay spend controls
Pie-chart 75%
Accounting Integrations
Pie-chart 50%
Fully compliant bank-grade payments platform
Pie-chart 25%
Analytics
Pie-chart 50%
Low cost

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