Sionic vs. Zift Comparison


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About Sionic is the first to bring real-time payments to commerce in the U.S market. Our service delivers bank-to-bank, digital cash payments from consumers to merchants through mobile, online, in-store, and in-vehicle experiences. Merchants receive cash deposits in their bank accounts within seconds and bypass expensive credit card fees. From local businesses to global enterprises, merchants remain trapped in paying rising credit card fees, amounting to $110 billion per year in the U.S. in 2020. Consumers, mired in late fees and $15.2 trillion debt, are awakening to dubious reward schemes that have compounded financial inequities. Now, the arrival of instant digital bank payments creates a new means to equitably reallocate value back to merchants and consumers, the backbone of the U.S. economy. We offer three mobile tools to make it fast, easy, and secure for consumers to pay by bank. Easily stub out to our off-the-shelf microsite through customized QR Codes or URLs.	About Zift is a Payments-as-a-Service platform, also known as PayFac-as-a-Service, that lets software platforms embed payment processing into their systems and turn it into a high-margin revenue stream. Zift handles the underwriting, compliance, and risk infrastructure behind the scenes, offering card, ACH, Bank Bill Pay and point-of-sale processing plus merchant onboarding through a single integration. Merchants can use EMV-ready terminals with cloud-based or standalone operation. Zift reduces PCI compliance scope through tokenization, which securely stores payment data, and its Proxynization .js library, which converts custom payment forms into hosted fields. Zift's reporting API includes reconciliation tools so merchants can match transactions to deposits. Platforms can white label the experience or consume Zift's entire API within their own software.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Merchants looking for a solution to manage their digital cash payments while improving their services for clients	Audience Software platforms or ISV's that want to make payments a more integrated and seamless part of their product offering.
Support Phone Support Not Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing Free Free Version Supported Free Trial Not Supported	Pricing No information available. Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software

Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported	Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Supported
Company Information Sionic United States sionic.io	Company Information Zift United States zift.io
Alternatives High Risk Solutions	Alternatives Structured StructuredWeb
ccNetPay	Exact Payments
Solid Payments	MagicPay MagicPay Merchant Services
Stitch	PayNuts
Paycosmos paycosmos View All	NETePay Hosted Datacap Systems View All
Categories Payment Processing Supported	Categories Payment Gateways Supported Payment Processing Supported
	Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Not Supported Online Payments Supported POS Transactions Supported Receipt Printing Supported Recurring Billing Supported Signature Capture Supported Show More Features Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Not Supported Credit / Debit Support Supported Customer Information Storage Not Supported Fraud Prevention Not Supported Invoicing Not Supported Multi-Currency Not Supported PCI Compliance Supported Point-of-Sale (POS) Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported
Integrations Banno Supported Connected Risk Supported Cybersource Supported EmpoweredESG Supported EmpoweredNEXT Supported Google Assistant Supported Google Cloud Platform Supported Google Cloud Search Supported Google Maps Supported Google Pay Supported Passport POS Supported Pocomos Not Supported Shift4 Supported Show More Integrations View All 12 Integrations	Integrations Banno Not Supported Connected Risk Not Supported Cybersource Not Supported EmpoweredESG Not Supported EmpoweredNEXT Not Supported Google Assistant Not Supported Google Cloud Platform Not Supported Google Cloud Search Not Supported Google Maps Not Supported Google Pay Not Supported Passport POS Not Supported Pocomos Supported Shift4 Not Supported Show More Integrations View All 1 Integration
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