ZRU

What ZRU does

ZRU is a payment orchestration platform headquartered in Madrid, Spain, operating under the legal entity MyChoice2Pay S.L. The company was founded in 2017 as MyChoice2Pay and rebranded to ZRU in October 2023. Its platform enables merchants to connect to more than 200 payment processors, gateways, and methods (including Stripe, Adyen, PayPal, Klarna, Mercado Pago, Redsys, Bizum, Pix, dLocal, and Worldpay) through a single API, with documented coverage across 190+ countries and 140 currencies. The stated value proposition centers on lifting payment acceptance rates (a 95% platform rate is claimed versus a 15.3% pre-integration benchmark in the Pepper case study) and reducing transaction costs to 0.4%, with 99.99% uptime and PCI DSS Level 1 compliance.

The platform is modular and includes a Connections ecosystem for activating payment providers, an Orchestration module for intelligent routing with fallback and retry logic, a customizable hosted Checkout (including the no-code Temas theme customizer launched in October 2025), a centralized Payment Management dashboard, Fraud Management with configurable risk rules, Subscriptions and Authorizations for recurring billing, Vault and Tokenization, processor-agnostic 3DS authentication, Network Tokenization, a Marketplace module for split payments, and omnichannel collection via payment links, QR, and IVR. ZRU also offers native iOS and Android mobile applications and a Zapier integration for workflow automation. A proprietary MC2P standardized error code system (MC2P-XXXXX format) normalizes transaction responses across processors.

ZRU generates revenue through three streams: transaction-based fees calculated as a percentage of monthly sales processed, subscription fees for platform access and support, and professional services for enterprise implementation. The go-to-market combines enterprise field sales (targeting Heads of Payments, CFOs, Heads of Growth, and CTOs with demo requests and personalized onboarding), an API-first developer self-serve motion with sandbox and documentation, and product-led growth through pre-built e-commerce plugins (WooCommerce, Magento2, PrestaShop, WordPress GravityForms). The company operates with 1-10 employees, has not disclosed institutional funding beyond an approximately $82K seed round in 2017 and a 2019 MassChallenge program, and has no public listing or parent company.

Name

ZRU

Legal name

MyChoice2Pay S.L.

Website

https://zrupay.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

ZRU is a payment orchestration platform based in Madrid that connects merchants to 200+ payment processors through a single API, offering intelligent routing, fraud prevention, checkout customization, and PCI-compliant tokenization for enterprise and e-commerce businesses across Spain and Latin America.

Ownership category

akta.pro rank

Product category

Payment Orchestration Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industry

QR Code & Alternative In-Store Acceptance (QR, APMs) (FSAMADAH)

Keywords

• Payment orchestration platform
• Payment infrastructure software
• Payment gateway aggregation
• Fraud prevention tools
• Subscription billing management

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Transaction-based fees: Primary revenue stream based on transaction volume. Fees are calculated as a percentage of monthly sales processed through the platform, aligning platform success with customer transaction volume.
2. Subscription Services: Monthly or annual subscription fees for platform access, support, and additional features beyond transaction-based pricing.
3. Professional Services: Implementation, onboarding, and customization services for enterprise clients requiring dedicated support.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

ZRU operates a payment orchestration platform that connects merchants to 200+ payment processors, gateways, and methods through a single API and control panel. The platform provides intelligent transaction routing, automated revenue recovery via retry and failover, fraud prevention, network tokenization, 3DS authentication, vault/tokenization, subscription management, and multi-vendor marketplace settlement. It supports checkout management across 140 currencies in 190+ countries, enabling merchants to centralize payment operations without engineering overhead.

Product overview

Zru is a payment orchestration platform (formerly MyChoice2Pay) that unifies multiple payment processors, methods, and management tools into a single integration. The core platform includes a Connections module for activating 200+ payment providers (Stripe, PayPal, Adyen, Redsys, Klarna, Bizum, etc.), a Checkout module with a customizable hosted payment page, an Orchestration module for intelligent routing and fallback rules, and a Payment Management dashboard for real-time operations. Supporting modules include Fraud Management, Subscriptions & Authorizations, Vault & Tokenization, 3DS Agnóstico, Network Token, Marketplace (multi-vendor splits), and payment links/QR/IVR. Zru also offers a no-code checkout theme customizer called Temas and a companion mobile app for iOS/Android.

Differentiator

Problem solved

Functional benefit

Products and services

• Zru Platform (Payment Orchestration Platform) Core payment orchestration platform that centralizes connections to 200+ payment processors, gateways, and methods via a single API and control panel, enabling merchants to optimize approval rates, reduce transaction costs, manage fraud, and centralize payment operations without engineering overhead.
• Zru Mobile App Companion mobile application for iOS and Android that allows merchants to monitor and manage payment operations remotely.

Quantifiable outcome

• 19% improvement in payment acceptance rate
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration43 records

Feature11 records

Partnerships

17 partnerships are on record, tiered core.

• Inespay (Transferencia Online)coreTechnology or Integration · 30 November 2025ZRU announced the integration of Transferencia Online by Inespay into its Connections ecosystem, adding another payment method option for ZRU customers. This integration allows ZRU users to access Inespay's online transfer services through the unified payment orchestration platform.
• StripecoreTechnology or IntegrationStripe is integrated as a payment processor in the ZRU Connections ecosystem, providing payment processing capabilities to ZRU customers through a single API integration.
• AdyencoreTechnology or IntegrationAdyen is integrated as a payment processor in the ZRU Connections ecosystem, enabling global payment acceptance for ZRU merchants.
• PayPalcoreTechnology or IntegrationPayPal is integrated as a payment method in the ZRU Connections ecosystem, providing popular digital wallet payment options.
• KlarnacoreTechnology or IntegrationKlarna is integrated as a BNPL payment option in the ZRU Connections ecosystem, enabling buy-now-pay-later functionality for merchants.
• Mercado PagocoreTechnology or IntegrationMercado Pago is integrated for Latin American payment processing, enabling local payment methods for merchants operating in LATAM markets.
• dLocalcoreTechnology or IntegrationdLocal is integrated for emerging markets payment processing, enabling local payment methods across Latin America, Asia, Africa, and Middle East.
• WorldpaycoreTechnology or IntegrationWorldpay is integrated as a payment processor in the ZRU Connections ecosystem, providing additional processing capabilities and geographic coverage.
• Global PaymentscoreTechnology or IntegrationGlobal Payments is integrated as a payment processor, providing North American payment processing capabilities through the ZRU platform.
• RedsyscoreTechnology or IntegrationRedsys is integrated for Spanish payment processing, enabling local card payments and Bizum for Spanish merchants.
• Apple PaycoreTechnology or IntegrationApple Pay is integrated as a payment method, enabling contactless Apple Pay payments for iOS users.
• Google PaycoreTechnology or IntegrationGoogle Pay is integrated as a payment method, enabling Google Pay payments for Android users and Chrome browser.
• GoCardlesscoreTechnology or IntegrationGoCardless is integrated for direct debit payments, enabling ACH and SEPA direct debit functionality for recurring payments.
• Authorize.NetcoreTechnology or IntegrationAuthorize.Net is integrated as a payment processor for US-based merchants.
• Shift4coreTechnology or IntegrationShift4 is integrated as a payment processor for hospitality and restaurant verticals.
• BizumcoreTechnology or IntegrationBizum is integrated as a payment method for Spanish consumers, enabling real-time bank transfers for payments.
• PixcoreTechnology or IntegrationPix is integrated for Brazilian payment processing, enabling the instant payment method popular in Brazil.

Scale indicators11 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Akurateco: Spain-based payment orchestration and gateway aggregator with deep coverage of LATAM and European PSPs. Closely comparable peer given identical home geography (Spain/Iberia), similar merchant segments, and overlapping connector inventory (Redsys, Bizum, Mercado Pago, Pix), competing head-to-head for the same regional merchant accounts.
• Spreedly: Pioneer in payment orchestration and vault/tokenization, providing a single API to connect to multiple payment gateways. Direct match on ZRU's orchestration, vault/tokenization, and recurring billing capabilities, serving similar enterprise and SaaS subscription customers with payment-method storage and routing needs.
• Cellpoint Digital: Payment orchestration and payment lifecycle management platform for global merchants with omni-channel routing. Direct peer on intelligent routing, fraud prevention, and multi-acquirer orchestration, addressing the same enterprise payments buying center as ZRU.
• Primer: Direct payment orchestration competitor offering unified checkout, intelligent routing, and 300+ PSP integrations through a single API. Closest functional peer to ZRU's Connections ecosystem and orchestration module, with overlapping enterprise target buyer (Head of Payments, CFO) and value proposition (acceptance rate optimization, cost reduction, revenue recovery).
• Gr4vy: Cloud-based payment orchestration platform with no-code rule builder, multi-PSP routing, and tokenization. Closely matches ZRU's no-code UX positioning (Temas, panel-based provider activation) and enterprise value proposition of consolidated payments management.
• IXOPAY: Payment orchestration platform providing unified access to multiple acquirers and payment methods with smart routing, fraud prevention, and tokenization. Direct overlap on orchestration, fraud management, and 3DS agnostic capabilities offered by ZRU.

Broad incumbents

• Stripe: Global payments incumbent offering routing, multi-PSP access (Stripe Connect, Payment Methods), and orchestration-adjacent features (Stripe Sigma, Stripe Apps). Both broader payments platform and a partner within ZRU's Connections ecosystem; presents both integration and competitive risk.
• Adyen: Global acquirer with multi-acquirer optimization built natively into its unified commerce platform. Functions as both a ZRU ecosystem partner and a potential broad incumbent competitor as enterprise merchants evaluate single-vendor platforms versus orchestration layers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/zru
• Xx.com/zru_official

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ZRU