n8n vs Zapier: self-hosted or SaaS automation

n8n’s Enterprise terms hide a gross-up clause on withholding tax

n8n doesn’t collect sales tax itself: its merchant of record, Paddle, does that instead, with prices quoted tax-exclusive and the customer liable, and Enterprise terms additionally require a gross-up on withholding tax that the pricing page never mentions. Zapier charges US sales tax directly, calculated by ZIP code, but publishes no state list or nexus threshold, and exempting a purchase requires a state-specific certificate such as Alabama’s Form STE-1. Scope compared, criterion by criterion. Checked 7 September 2026.

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n8n vs Zapier: scope compared, criterion by criterion — checked September 7, 2026
n8nZapier
What the tool answers
What it measures or produces
n8n's object is the “workflow,” a chain of connected nodes that moves and transforms data between applications; each run of it is called an “execution.”A Zap combines one trigger (e.g. receiving a new email, adding a row to a spreadsheet) and one or more actions (creating a contact, sending a message, updating a record), with fields mapped between steps.
The job it equips
The vendor describes two roles: the “builder,” who builds and runs workflows in the editor, and the “instance owner / admin,” for whom Insights gives visibility into their performance over time.Zapier serves RevOps, Marketing, IT, HR, Sales, Support, Leaders and Executive Assistants. IT: user provisioning, security alert routing, tickets. Sales: lead routing and follow-ups via the CRM.
What it cannot tell you
n8n is not a durable record of its executions: logs are pruned after a set time or once a storage cap is hit. Saved-execution cap: 2,500 on Starter, 25,000 on Pro, 50,000 on Enterprise.Structural limit: for a polling trigger, Zapier only learns an event occurred at the next check — 15 min (Free), 2 min (Professional), 1 min (Team, Enterprise). Only “instant” webhook triggers fire immediately.
Wiring the tools together
Number of apps
Vendor figures diverge: “2147 integrations” (integrations page, 07/09/2026) vs “hundreds of nodes” (docs), no total. Not adjudicating. Sheets: ten operations; Analytics: two; HTTP Request covers the rest, universal.zapier.com/apps shows two figures the same day: “9,000+ apps” and “10,000+ connections” (2026-09-07). Not adjudicating. Depth: Sheets 8/23/9 (40 ops), Slack 13/31/9 (53), GA4 1 trigger/5 actions.
Billing unit
Billed unit: the execution, not the step — forty nodes or two = one execution. Only production runs count: schedule on every fire, webhook on every request, polling only if new data. Not counted: manual, sub-workflows, error runs.Unit=task (1/successful step). Excluded: triggers, Filters/Paths, errored steps, Tables/Forms, 6 apps (Formatter, Delay, Looping...). Rate: MCP 2, advanced AI 3, premium 5, Lead Router 5. Cap: Free 100, Pro 750, 2K/mo, annual on Enterprise; 3x max, then stop.
Logic available
Logic: IF/Switch (conditions), Loop Over Items (loops), Wait (delay, fixed time, webhook `$execution.resumeUrl`, form), no max duration. Errors: error workflow (email/Slack), Stop And Error; no automatic retry (07/09/2026).4 logic families: Filter & Paths, Sub-Zap & Looping, Schedule & Delay, Human in the Loop. Error handling: error handler (separate Success/Error paths, from Pro) and autoreplay (from Pro). Filters and paths cost no tasks.
Custom code
Code accepts JS/Python, native (task runners) from n8n 1.111.0 (Pyodide removed in n8n 2). Restriction: library, not tier — no npm/Python on Cloud, allowed self-hosted if `n8nio/runners` includes them. Available from entry tier.Code by Zapier: JS (Node 22) and Python 3.13 only. Runtime: 1s on Free, 30s on Pro/Team, 2min on Enterprise (up to 10min, not for Code triggers); 512MB everywhere. 1 task/step. Free-form webhooks from Pro, absent on Free.
Trigger frequency
Schedule Trigger: seconds to months, plus cron (`*/10 * * * * *` = 10 s); no minimum delay or per-tier restriction (07/09/2026). Published cap: concurrency — 5 on Starter, 20 on Pro, “200+” on Enterprise, overflow queued FIFO.Minimum interval between two polling-trigger checks: 15 min (Free), 2 min (Professional), 1 min (Team and Enterprise). Instant webhook triggers run the Zap immediately. Recorded 2026-09-07.
Run history
Contradiction on Enterprise retention: 365 days (pricing; 7 on Starter, 30 on Pro/Business) vs “unlimited...retention time” (50,000 max, Cloud docs). Not adjudicating. Replay everywhere except queued; alerts: error workflow.History: 29-69 days (7 days logs, 4 months backups); only Enterprise sets 7-30 days (24h). Manual replay of errors everywhere; other statuses/autoreplay: paid only. Email alert (4 frequencies), none if an error handler runs.
Self-hosting
Free self-hosting, non-open-source licence (Sustainable Use License, “fair-code”): internal/non-commercial/personal use only; redistribution free and non-commercial; licensing notices untouchable. Paid white-labelling and paid hosting forbidden; Enterprise licences exist. Without a key: free Community indefinite, lacking SSO and Git.Self-hosting absent from the published options as of 2026-09-07: AWS-hosted service in the US, sole networking option = VPC Peering. No self-hostable license, on-premise image or “self-hosted” plan on these pages.
What comes out of it
Export formats
Exports come from nodes, not a menu: “Convert to File” writes CSV, XLSX, JSON and more; a workflow also exports as JSON from the editor. No per-plan cap mentioned (07/09/2026).Account export is emailed as a .ZIP: workflows in “Zapfile.json,” run history via a CSV of download URLs. No per-plan cap and no PDF, XLSX, Looker Studio or Sheets export mentioned as of 2026-09-07.
Shareable reports
Only published reporting: the “Insights” dashboard (workflow performance over time), opening at Pro (7 days, 30 on Business/Startup); data kept 365 days, 730 max. No scheduled report or white-labelling (07/09/2026).Only documented sharing: a Zap as a template via public link (“Zap URL”). “Only your team” is limited to Teams and Enterprise. No scheduled report and no white-labeling on the pages tested as of 2026-09-07.
API access
REST API included, no paid add-on: key created in Settings > n8n API, sent via `X-N8N-API-KEY`. Unavailable on free trial (upgrade required); granular scopes are Enterprise-only. No quota/rate limit published (07/09/2026).Four public APIs (api.zapier.com): Trigger Inbox (real-time events), Actions (run stored actions), Connections, Workflow (embed Zaps). Auth via OAuth 2.0. No quota stated; “Powered by Zapier” requires an App Directory listing.
What it connects to
Native integrations
The integrations page announces 2,147 integrations (07/09/2026, JS-rendered). The three that matter: HTTP Request (catch-all REST API), Google Sheets (row-level operations) and Postgres, listed native.The directory states 9,000+ apps (2026-09-07); the top three by popularity are Google Sheets, Gmail and Slack, followed by Google Calendar and Google Drive.
Google tools it connects to
Native Google nodes: Sheets, Analytics, Ads and others (BigQuery, Drive...). Analytics has only two operations (Report > Get, User Activity > Search), no API version. Neither Search Console nor Looker Studio as of 07/09/2026.Native confirmed: Sheets (8 triggers, 23 actions, 9 searches), GA4 (1 trigger, 5 actions incl. “Run Report”), + Gmail, Calendar, Drive, Forms, Docs. Ads, Search Console, Looker Studio absent from the pages retrieved.
Bringing your existing data across
Data take-over only in n8n's format: JSON import (file/URL), node copy-paste, CLI, API. No competitor import, field mapping or migration help (07/09/2026). Exported JSON includes credential names/IDs.Import/export in JSON only, restricted to Team and Enterprise; connections must be reconnected and Zaps turned back on after import. No migration from a competitor and no automatic field mapping as of 2026-09-07.
Getting started, and the fine print
Support
The forum, free for every user, is the baseline channel; the only support listed from Starter to Startup. Fast channel opens at Enterprise: dedicated portal and SLA. Languages and hours not published (07/09/2026).Support: Free (help); Pro (email<8h, chat from 2,000 tasks); Team (email<1h, chat<1min); Enterprise (<30min, TAM). Two pages diverge on weekends: “24 hours a day including weekends” vs “five days a week, 12 hours on weekends.”
Where the data is hosted
n8n Cloud runs on Azure; hardware and data in the EU (single region, no residency choice), more locations planned. Encryption at rest: Azure Storage, AES256, FIPS-140-2. No contradiction across the pages.Hosting: AWS, United States (security page), TLS 1.2+ in transit, AES-256 at rest, no EU residency. The DPA is broader: data processed in the US “and other jurisdictions” where Zapier operates. Not adjudicating.
What happens if you leave
Monthly refunds only (14 days, after cancelling); annual non-refundable, paid upfront; monthly access to month's end. Content deleted 6 months after deactivation (30-day warning email); expired trial: 90 days to export.No refund window: purchases non-refundable (monthly, annual), even post-trial; cancellation stays active until cycle end. Zap history: 7 days logs, 29-69 days in-account, up to 4 months backups; export available.
Minimum seats billed
None. Pricing is not per seat: unlimited users/workflows, no minimum billed headcount. Capped instead: shared projects — 1 on Starter, 3 on Pro, 6 on Startup, unlimited on Business/Enterprise — not people.Free and Professional: individual plans, 1 seat, no minimum beyond that. Team: 25 users included in the entry price. Enterprise: unlimited users. No per-additional-seat price published as of 2026-09-07.
Data residency and regulated cloud
n8n Cloud: hosted outside the US, on Azure; self-hosting lets the customer pick the region, US included (AWS, GCP). Own certs: SOC 2 Type 2 (Enterprise-only), SOC 3 (public). No FedRAMP, StateRAMP, GovCloud, or HIPAA BAA.Zapier: hosted on AWS in the US (named); own certifications SOC 2 Type II and SOC 3. The DPA instead speaks of data 'transferred' to the US and elsewhere — both versions stand. No HIPAA BAA; FedRAMP, StateRAMP, GovCloud absent.
What it costs
The entry price and what it includes
Starter, 20 EUR/month (annual, “Save 17%”): 2,500 executions, 1 project, 5 concurrent, 7d of logs, 2,300 AI credits/month. Past the tier: >2,500 executions or a 2nd project. Pro trial, 14d: 1,000 executions, 800 credits, no card. Vendor publishes its grid in euros.Free: $0/mo, 100 tasks/mo, 1 user, 15-min interval, Zaps capped at 2 steps. Professional: from $19.99/mo (1 user, 750 tasks/mo) — multi-step Zaps, unlimited Premium apps, webhooks, filters, paths. Tier ends when exceeded. Vendor publishes its grid in dollars.
What pushes the bill up
Pro to Business beats volume: 50 to 667 EUR/month (annual), ~13x, for SSO/SAML/LDAP, separate environments, Git. AI: 2,300/13,700 cap, non-refundable annual prepayment. Startup 333 EUR/month (annual): <20 staff, <5M EUR raised.Three hidden costs: overage → pay-per-task (rate unpublished), Zaps stop at 3x (Pro 750→2,250 max); pricier steps (MCP 2, advanced AI 3, premium AI 5, Lead Router 5); Team from $69/mo (25 seats), chat only from 2,000 tasks.
Sales tax and nexus
n8n doesn't itself charge tax: its merchant of record, Paddle, collects it. Prices are tax-exclusive, customer liable; Enterprise terms additionally require a gross-up on withholding. No state, no nexus, no dedicated tax page.Zapier itself charges US sales tax based on the ZIP code. No state list or nexus threshold published; exemption needs a state-specific certificate (e.g., Form STE-1 for Alabama). No calculation feature for customer sales.
Procurement and invoicing
Non-card billing opens at annual Business (invoice, wire), via DocuSign, in euros or dollars; below that, only card (via Paddle). Enterprise sets a 15-day term, not net-30, and excludes customer purchase orders. ACH, W-9 absent.Invoice billing opens only at Enterprise; below that, only self-service (card, PayPal, ACH from a US bank account). No purchase order or net-30 named. A W-9 is provided, plus a US Certificate of Tax Residence (Form 6166).

Key takeaways

n8n doesn’t collect your tax, its merchant of record does

n8n does not itself charge sales tax: that job belongs to Paddle, acting as merchant of record, with prices quoted tax-exclusive and the customer named as liable. Enterprise terms go a step further, adding a requirement to gross up any withholding tax — a clause easy to miss since neither a state list nor a dedicated tax page appears anywhere in the published pricing.

Zapier collects tax itself, then asks for a state-specific form to waive it

Zapier charges US sales tax directly, calculated by ZIP code, but publishes no list of the states involved and no nexus threshold. Claiming an exemption means producing a certificate specific to the buyer’s own state — Alabama’s Form STE-1, for instance — and the platform offers no calculation feature for tax the customer might owe on its own downstream sales.

Both vendors disagree with their own documentation over how many apps they connect to

n8n’s integrations page states two thousand one hundred forty-seven integrations, while its own docs describe only “hundreds of nodes,” with no total settled between the two. Zapier’s own directory shows both “nine thousand-plus apps” and “ten thousand-plus connections” on the same day, and this profile does not adjudicate either contradiction.

A workflow is billed by the run at n8n, by the completed step at Zapier

n8n bills by the execution, not by the number of nodes inside it — forty nodes or two both count as one execution, and only production runs, meaning scheduled fires, webhook requests, or polling runs that find new data, are counted at all. Zapier bills by the task, one per successful step, excluding triggers, Filters, Paths, and six named apps, while charging two, three, or five tasks for certain premium actions such as its Lead Router.

Self-hosting is free at n8n and simply doesn’t exist at Zapier

n8n can be self-hosted for free under its Sustainable Use License, restricted to internal, non-commercial, or personal use, with paid white-labeling and paid hosting both forbidden under that license. Zapier names no self-hosted option, on-premise image, or comparable license anywhere in its published pages; it runs solely as an AWS-hosted service in the United States, with VPC Peering as its only networking option.

Where the data actually sits splits the same way the hosting choice does

n8n Cloud runs on Azure, with hardware and data kept in the EU in a single region and no residency choice offered; self-hosting lets a customer pick the region instead, the United States included. Zapier hosts on AWS in the United States by name, though its own Data Processing Agreement separately describes data as “transferred” to the US and elsewhere — both descriptions stand, unreconciled.

The entry price is published in a different currency altogether

n8n prices its Starter tier at twenty euros a month billed annually, for two thousand five hundred executions and one project. Zapier prices its Free tier at zero dollars, capped at a hundred tasks a month and one user, with Zaps themselves limited to two steps — two currencies, two units of measurement, and no shared number between them.

Frequently asked questions

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jordan@bulldozer-collective.com
Does n8n’s Enterprise contract include a tax gross-up clause?
Yes: n8n itself does not charge tax — its merchant of record, Paddle, does — with prices listed tax-exclusive and the customer liable, and Enterprise terms additionally require a gross-up on withholding, with no state or nexus named anywhere. Zapier instead charges US sales tax itself based on the ZIP code, with no state list or nexus threshold published, and exemption requires a state-specific certificate such as Form STE-1 for Alabama.
Does Zapier provide a W-9 form to US business customers?
Yes: Zapier provides a W-9 along with a US Certificate of Tax Residence, Form 6166, though invoice billing itself opens only at Enterprise — below that tier, only self-service card, PayPal or ACH from a US bank account is accepted, with no purchase order or net-30 named. n8n instead opens non-card billing at annual Business, by invoice or wire through DocuSign, but sets a 15-day payment term rather than net-30 and excludes customer purchase orders.
What is Zapier’s code execution time limit on the free plan?
On Zapier’s Code step, execution is capped at 1 second on Free, rising to 30 seconds on Pro and Team and up to 2 minutes on Enterprise (extendable to 10 minutes, except for Code triggers), with 512MB of memory everywhere and 1 task billed per step, in JavaScript Node 22 or Python 3.13 only. n8n’s Code node accepts JavaScript or Python natively via task runners from version 1.111.0, available from the entry tier.

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