Fat Zebra
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Retail and wholesale
- Accommodation and food services
- Arts, entertainment, and recreation
What is Fat Zebra
Fat Zebra is a payment processing platform that provides card payment acceptance and related payment services for online and in-person transactions. It targets businesses and platforms that need an API-first gateway, merchant services, and tools to manage payments, refunds, and reporting. The product is commonly used by Australian and New Zealand merchants and software platforms that want to embed payments into their checkout or billing flows.
API-first payment gateway
Fat Zebra provides developer-oriented APIs to create and manage payments, refunds, and customer payment details. This supports embedding payments into web and mobile applications rather than relying only on hosted checkout pages. It fits teams that want programmatic control over payment flows and reconciliation.
Supports multiple payment channels
The platform supports online card payments and can also be used for in-person acceptance via supported terminal/point-of-sale integrations (availability depends on region and setup). This helps businesses that operate across ecommerce and physical locations. It reduces the need to run separate providers for different channels.
Operational tools for finance teams
Fat Zebra includes features for transaction search, refunds, settlement reporting, and dispute/chargeback handling workflows. These capabilities help finance and support teams investigate payment issues without engineering involvement. It aligns with organizations that need day-to-day payment operations tooling alongside an integration layer.
Region-centric market focus
Fat Zebra is primarily oriented toward Australia and New Zealand use cases, including local acquiring and operational support. Organizations with significant multi-region requirements may need additional providers or entities to cover other geographies. This can add complexity for global rollouts.
Less suited for all-in-one suites
The product focuses on payment processing rather than bundling broader CRM, scheduling, marketing, or client management capabilities found in some adjacent business platforms. Buyers looking for a single system to manage customer lifecycle plus payments may need additional software. This increases integration and vendor management work.
Pricing and terms vary by setup
Like many payment processors, fees and contract terms can depend on merchant profile, volume, risk, and required payment methods. This can make early-stage cost comparisons harder without a formal quote. Some businesses may prefer fully self-serve, transparent pricing for quick evaluation.
Plan & Pricing
Pricing model: Pay-as-you-go per transaction Free tier/trial: No free plan or trial listed on official site Example costs:
- Base processing fee: $0.10 per transaction (applies to most payment methods).
- Visa / MasterCard / Diners / Discover / Eftpos: $0.10 + Interchange ++.
- American Express / JCB: $0.10 + Cost + (cost-plus pricing).
- Direct Debit (AU, NZ): $0.10 + 1% (capped at $3.50).
- Direct Credit (AU, NZ): $0.10 + $0.25.
- UnionPay International: $0.10 + 2.95%.
- Fraud services (Forter, Kount, ReD): $0.10 + vendor-specific fees (Forter = risk-based %, Kount = defined by Kount, ReD = $0.10). Notes: Pricing is presented per payment method on the official pricing page; pricing is subject to change and the site states that "Minimum Monthly Fees may apply" and to contact sales for custom/enterprise pricing.
Seller details
Fat Zebra Pty Ltd
Sydney, NSW, Australia
2012
Private
https://www.fatzebra.com
https://x.com/fatzebra
https://www.linkedin.com/company/fat-zebra/
