Honest comparison
Compared honestly
Five providers a publisher might shortlist, and what we could and couldn't verify about each. Where we couldn't confirm a capability from public documentation, we say so rather than guess.
Hyperwallet (PayPal)
Airwallex
Xsolla
Stripe Connect
Tilia (Thunes)
ZBD
Where the cash-out happens
Documents an embedded transfer-method experience inside the platform's own interface, alongside its hosted option.
Embedded finance components for platforms and creator programmes; the in-game or in-product experience is the platform's to build. Roblox's creator Wallet, announced September 2026, uses Airwallex US LLC as licensed money transmitter.
Markets a creator and player money account with payouts, verification, tax handling and a branded card.
Ships an embedded payouts component; built for businesses and sole traders rather than game players.
Built inside a virtual world for virtual-world payouts; acquired by Thunes, announced 2024. Current configuration not verified.
Verification, payout method and cash-out in the publisher's own screens. ZBD's claim; ask for an end-to-end production walkthrough including an unverified earner.
Minimums and who pays the fee
Not verified for the embedded path. Fab's published terms carry a $100 threshold with rollover and annual payment of older balances.
Not verified. Commercial minimums are deal-specific — ask what applies to your volume.
Not verified.
Application fees are documented, including on eligible instant payouts, so pass-through is possible. The configuration decides it.
Not verified.
Fee allocation configurable by method; supports smaller payouts. Ask for the economics at $5 and $10 including verification, failures and support.
A game-currency ledger and player-to-player
Not verified. Not marketed as a game-currency ledger.
Not verified. Marketed as business and creator accounts rather than a game economy.
Has virtual-currency tooling for in-game stores. Whether that extends to a shared, cash-redeemable balance with transfers between players is not verified.
Not verified. Not marketed for this.
The closest public comparator; current capability not verified.
Proposed under Embedded Accounts. Availability and launch scope to be agreed; not presented here as a purchasable production capability.
What a publisher otherwise buys separately
Payouts provider
This provider.
This provider.
This provider.
This provider.
This provider.
ZBD Embedded Payouts.
KYC provider
Not yet collected.
Not yet collected.
Not yet collected.
Not yet collected.
Not yet collected.
Verification within the same integration. ZBD's claim; ask for the scope and evidence.
Tax provider
Not yet collected.
Not yet collected.
Not yet collected.
Not yet collected.
Not yet collected.
Not yet collected.
Licences and coverage
Each provider holds its own authorisations, and coverage differs by entity, service and market. Compare the permissions that apply to your specific funds flow rather than counting badges.
US money transmission and an EEA position; see ZBD's current register entries. Ask which entity contracts with you and which markets it covers.
Compiled from each company's public product and developer documentation, checked 24 September 2026. "Not verified" means we could not confirm it from public sources, not that the capability is absent. Product scope changes. If we have any of this wrong, tell us and we'll correct it.