Empower your business with optimized payment flows

Zru is a modern payment infrastructure that helps merchants orchestrate, manage, and scale their payments from a single platform. Through one integration, Zru connects businesses to over 200 payment providers, PSPs, and methods, including wallets, tokenization, and 3DS solutions, giving full control over how each transaction is processed.
Spain
Founded 2017
Last updated: Sep 05, 2025
On PayAtlas since Jul 2025

Focus Areas

Services offered by Zru

Merchant Services
Card Processing Services
Payment Technologies
3D Secure MPI Services
Payment Technologies
API Aggregation
Payment Technologies
Payment Orchestration Platforms
Payment Technologies
Payment Tokenization Services
Payment Technologies
Payment Reconciliation Services
Payment Technologies
White-label Payment Solutions
Business Support
Payment Management Services

Industries served by Zru

  • Airlines & Flight Aggregators
  • Apparel & Fashion
  • Auto Sales
  • Automotive
  • Banking
  • Books, Magazines & Newspapers
  • Business Opportunities & Lead Gen
  • Business Services
  • Car Rentals
  • Cloud & Web Services
  • Construction Materials & Equipment
  • Cosmetics, Skin & Hair Care
  • Crypto Exchanges & Trading
  • Debt Collection Services
  • Dropshipping
  • +29
  • E-learning & Edtech
  • Electronics & Home Appliances
  • Essay Writing & Academic Services
  • Events & Ticketing
  • FX & Currency Exchange
  • Food Delivery
  • Gambling & Betting (Casinos, Sportsbook & Poker)
  • General Retail (Non-specialised)
  • Grocery & Food Stores
  • Health & Beauty Retail
  • Hotels & Accommodation
  • Insurance
  • Legal Services
  • Luxury Goods & Jewelry
  • Marketing & Advertising
  • Nutraceuticals & Supplements
  • OTAs & Travel Services
  • Online Courses & Education
  • Payments / PSP / Gateways
  • Pet & Pet Tech
  • Pharmacies & Online Pharma
  • Restaurants & Delivery
  • SaaS / Software
  • Skill Gaming & Esports
  • Telecom & Internet Providers
  • Utilities & Energy
  • Video Games & In-game Purchases
  • Vitamins & Supplements
  • Wallets & Custodians

Regions covered by Zru

  • Central America
  • MENA
  • North America
  • North-West Europe
  • Persian Gulf countries
  • South America
  • South-Central Asia
  • South-East Europe

Reviews

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Supported Features

Compact
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Payment methods

  • Bank transfer 6
  • Bnpl service 1
  • Card network 8
  • Cash network 1
  • Cash payment 1
  • Financial services 1
  • Mobile payment 1
  • Mobile wallet 5
Bank transfer
  • Bancontact
  • Eps
  • Multibanco
  • SEPA
  • Sofort
  • SWIFT
Bnpl service
  • Klarna
Card network
  • American express
  • Discover
  • Jcb
  • Mastercard
  • Mir
  • Rupay
  • Unionpay
  • Visa
Cash network
  • Cash on delivery
Cash payment
  • Vouchers
Financial services
  • Web Money
Mobile payment
  • QR code
Mobile wallet
  • Alipay
  • Apple pay
  • Google pay
  • Paypal
  • Wechat pay

Card networks

Major credit card networks include Visa, Mastercard, American Express, and Discover, but there are others.
  • American Express
  • Discover
  • JCB
  • MIR
  • MasterCard
  • RuPay
  • UnionPay
  • Visa
  • American Express
  • Discover
  • JCB
  • MIR
  • MasterCard
  • RuPay
  • UnionPay
  • Visa

Shopping carts

  • Magento Community
  • PrestaShop
  • Woocommerce
  • Magento Community
  • PrestaShop
  • Woocommerce

Transaction currencies

  • Crypto currencies 30
Crypto currencies
ADA, BCH, BCN, BLK, BNB, BTC, CLAM, DASH, DOGE, EDC, EMC, EOS, ETC, ETH, GNO, GNT, LSK, LTC, MAID, NEOS, NMC, NVC, PPC, REP, USDT, XEM, XLM, XMR, XRP, ZEC

Features

Checkout
Checkout Editor (Branding & Customization)
Email receipts
Checkout / Hosted Payment Page
One-click Payments
Payment links
Data
Data Exports (to CSV or XLS format)
Fee & Discount Management
Discounts Management
Fraud Prevention
3D Secure v1 Authentications
3D Secure v2 Authentications
Smart blacklisting
Integration Tools
PCI Host-to-host payments
Mobile SDKs (iOS, Android)
Server-side SDKs
Shopping Cart Plugins
Payment Channels
Card-not-present payments (MOTO)
In-App Payments
In-Platform Payments
Mobile payments
Online checkout payments
Phone-Based payments
Payment Flows
Bank transfers
Credit and debit card payments
Cryptocurrency payments
Digital wallet payments
Installment payments (Buy now pay later)
Online banking payments
Prepaid card payments
Payment hub
Third-party Payment Provider Integrations
Payment Scenarios
Dynamic descriptor
P2P Payments
Split Payments
Two-step payments (Delayed Capture)
Zero-Amount Transactions
Refunds
Fully refunds
Partial refunds
Reporting
Key Metrics Dashboard
Predefined Reports
Routing
Balance based routing
Conversion based routing
Fallback & Cascading Routing
Geo based routing
BIN/INN based routing
Rule Based Routing
Volume distributed routing
Load balancing routing
Subscriptions & Billing
Card-on-file transactions (Non-cvc)
Recurring Payments
Subscriptions Management
Taxes
Dynamic Tax Rates
Tax Management (VAT)
Tokenisation
3D Secure/MPI Service
Cross-channel tokenisation
Network Level Tokens
Secure Token Storage
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