Zoneless
Show HN: Open-source Stripe Connect alternative
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What is Zoneless?
Zoneless is an open-source payouts platform that enables businesses to pay sellers and creators globally with minimal fees and instant settlement using stablecoins. It's designed as a cost-effective alternative to Stripe Connect and PayPal, featuring a Stripe-compatible API for easy integration and self-hosting capabilities.
Zoneless pricing
Pricing model: Freemium
Free with ~$0.002 per payout (domestic and international); no monthly account fees, cross-border fees, or currency conversion fees
Zoneless pros
- Drastically lower fees (~$0.002 per payout) compared to Stripe Connect ($0.25–$1.50) and PayPal (0.25%–2%)
- Open source (Apache 2.0) and self-hostable, providing full infrastructure control and transparency
- Stripe-compatible API enables drop-in replacement with minimal code changes
- Global coverage of 220+ countries with no cross-border or currency conversion fees, plus instant payout speed (seconds vs 2–7 days)
Zoneless cons
- Limited public adoption track record; mentioned as used by only 'a couple of cool companies' with no named references
- Requires technical expertise for self-hosting and infrastructure management
- Newer alternative with fewer ecosystem integrations compared to established competitors like Stripe and PayPal
Frequently asked questions about Zoneless
How much can I save by switching from Stripe?
For 1,000 monthly payouts averaging $50, Zoneless costs ~$26/year vs Stripe Connect's $40,500/year
Can I replace Stripe with Zoneless?
Yes, Zoneless uses the same API as Stripe with identical webhooks and event shapes, enabling a drop-in replacement
How many countries does Zoneless support?
Zoneless supports 220+ countries and regions globally
How fast are payouts?
Payouts settle in seconds, compared to Stripe Connect's 2–7 business days