Hi,
The vendor zone is the attribution of a vendor depending on the customer address.
You can create a zone in HikaShop (which can contain countries and states) and assign a zone to a vendor.
When a customer by a product which does not have a vendor assigned, HikaMarket will dynamically set the vendor depending the customer address and the vendor zones.
So the fees are not depending the zone ; the fees are linked to vendors.
You can say that "Vendor Z" have 5% fee and "Vendor Y" have 6% fee ; assign them to your "Zone 1" and "Zone 2".
About the "not in zone 1 or 2", you have to do that in HikaShop (restrictions on payment or shipping methods).
I hope that it will help you.
Regards,
Jerome - Obsidev.com
HikaMarket & HikaSerial developer / HikaShop core dev team.
Also helping the HikaShop support team when having some time or couldn't sleep.
By the way, do not send me private message, use the "contact us" form instead.