# Zum Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Zum Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/267604/Zm --- # Zum Software Review 2026: Features, Integrations, Pros & Cons Last updated on November 14, 2025 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Zum ## What is Zum? Zum Rails provides real-world solutions that merge instant payments and open banking. Our software allows our clients and their customers to utilize the payment rails that suit their needs best, in the fastest, safest and most efficient way possible. With data aggregation and analytics to support the process. For more information, visit our website ## What is Zum used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Accounts Receivable](https://www.capterra.com/accounts-receivable-software/)[Accounts Payable](https://www.capterra.com/accounts-payable-software/) Top alternative Featured Overall rating Based on 7 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Contact vendor for pricing Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Zum?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://zumrails.com&name=Zum) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Zum 4.7 (7) VS. [4.3 (684)](https://www.capterra.com/p/76/Intacct/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (7) Ease Of Use 4.2 (610) Value For Money 4.7 (7) Value For Money 4.0 (517) Customer Service 4.7 (7) Customer Service 4.0 (549) ## Zum alternatives [4.2 (2,038)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.2 (401)](https://www.capterra.com/p/184673/Melio/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [3.9 (423)](https://www.capterra.com/p/174753/Sage-50cloud/reviews/) Starting price $124.42 Per User, Per Month Pricing Options Free Trial Free Version User Rating 72% of reviewers rated it above 4 stars Highest Rated [4.5 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/) Starting price $30.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 91% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/267604/Zm/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Data Security 5.0 (5) 100.00% of 5 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Payment Processing 4.6 (5) 100.00% of 5 reviewers that rated this feature as important or highly important Accept, record, and reconcile financial transactions Online Payments 5.0 (4) 75.00% of 4 reviewers that rated this feature as important or highly important Accept and process online payment transactions Payment Fraud Prevention 5.0 (3) 100.00% of 3 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. ACH Payment Processing 4.5 (2) 100.00% of 2 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Accounting 4.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Zum 44 features Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Integrate with a third-party accounting system Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Dashboard to view the status of ongoing processes, identify current incidents and track past activities Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Create, manage, and send invoices or bills to customers Track and manage adherence to policies for any service, product, process, or supplier Accept and process credit card transactions Accept and process cryptocurrency transactions such as Bitcoin Add customized logos and colors to align with company branding Alter the layout and content of reports Import and export data to and from software applications Protect sensitive data for digital privacy Accept and process credit/debit card transactions Electronically collect payments for goods or services Identify and prevent suspicious activity Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Access software remotely via mobile devices Clients can submit payments via mobile devices Observe and track the demand, usage, progress or quality of a system, product, or user Manage and handle various international currencies Process payments via multiple modes directly through the application Accept and process online payment transactions Allow customers to make a partial payment on an invoice and track remaining debt Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Integration with payment gateways to facilitate online transactions Accept, record, and reconcile financial transactions Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity Analyze and gain insights into data in real-time Receive data and information in real time Active reporting of data and metrics Automatic and regular transactions made through a secure online platform at predetermined intervals (monthly, quarterly, etc.) Automated process of charging customers at regular intervals for repeated access or use of a product or service Timed notification for any upcoming task, deadline, appointment, or activity Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Search and filter data across systems to locate required information by entering keywords or certain criteria Online portal through which end users can access the system, manage tasks, or obtain information Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Get Advice We can help you find the software with the features you need. Features 4.4 (7) 4.4 Based on 7 reviews ## Pricing Value for money 4.7 (7) ### Starting price Contact vendor for pricing Free trial not available Value for money 4.7 (7) 4.7 Based on 7 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.7 (7) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.7 (7) 4.7 Based on 7 reviews ## User reviews Overall rating 4.7 Based on 7 reviews Filter by rating 5(6) 4(0) 3(1) 2(0) 1(0) Mentioned topic Sorted by most recent MP Marisa P. President Financial Services ### "My Zum Service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 November 12, 2024 Overall amazing service. Very quick to reply to all my email requests. Pros Very Knowledgeable and quick time response time to all my requests. Zum System very user friendly. Cons Pricing but still reasonable compared to similar other companies that offer the same service. Would create an easier way to register the customers that pay the 15th and 31st of every month instead of one transaction at a time and not recurring for these specific dates. Switched from [Rotessa](https://www.capterra.com/p/170269/Rotessa/) Rotessa was more expensive and not as user friendly. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KL Katharine L. Accounting Manager Logistics and Supply Chain ### "Zum Rails Review" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 5/10 April 29, 2024 Pros Ability to offer e transfers and EFT's to our customers direct from our online program Cons Not able to process e transfers unless the name matches on the business account and bank account. Some of our customers want to pay by e transfer and can't because they use a different account to pay with than the business name Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. NT Ninan T. Head of Finance Automotive ### "Zum Rails is a critical API for payment system" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 25, 2024 Pros Zum Rails is extremely reliable and easy to use. Cons Customer support hours end at 2 pm PST. We are based in PST timezone. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SD Sheniff D. CEO Information Technology and Services ### "Zum is a great payments platform" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 24, 2024 Overall, I really enjoy using Zum for payment processing. I send payments daily and its a lot quicker and easier to navigate than most bank EFT platforms I have worked with. Pros \- Option to send and receive EFTs and Interac Email Transfers - Ease of use - Ease of setting up payees and payors - Support is great to work with when I have questions Cons There is nothing that I do not like about this product. Alternatives considered [Plooto](https://www.capterra.com/p/225025/Plooto/) Reasons for choosing Zum The email transfer option through Plooto works on its own network and is not recognized by our clients so they are hesitant to enter their banking information as readily as they would when they receive an Interac Email transfer. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RB Rob B. Executive Director Non-Profit Organization Management ### "One of the best EFT Vendors around!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 19, 2024 Not only is this a great product, but as a charity, the price is great and the Team at zum are great to work with too, when we have any questions, or are not sure how to do something, or are looking for some type of report. Pros We like how easy ZUM is to use, and the price! Cons There are none! We have nothing bad to say! Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) We left PayPal over the costs per transaction, as well as it not being as user friendly. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JB Jimmy B. President & Co-founder Financial Services ### "Zum rails review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 13, 2023 Amazing Pros Nice productNice documentationGreat team Cons Report for invoicing. We would love to have an invoice every first of the month that matches dashboard numbers. Alternatives considered [VoPay](https://www.capterra.com/p/244852/VoPay/) Reasons for choosing Zum We integrated both Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CA Cindy A. Owner Health, Wellness and Fitness ### "Great product" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 November 24, 2022 Pros Easy to use and streamlined our business. Cons Took me abut to get use to a new system, but once set up it is pretty simple to navigate. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/267604/Zm/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)