You can partner with many different payment platforms to process payments for your digital business. However, finding the right one can often be difficult, especially when you consider the variable rates and different features each offers. Checkout.com is one of the oldest cloud-based payment platforms in the industry, launched in 2012.
Checkout.com is a popular choice for many online store owners because it offers direct integrations with major e-commerce platforms such as Shopify , BigCommerce , Chargebee , and more.
But is Checkout.com still relevant, especially with so many other payment processors including big names like Stripe and 2Checkout? This review covers everything you need to know if you're considering signing up for all your payments on Checkout.com.
Checkout.com Review: Key Features
The company has continued to innovate and introduce new features every year since its launch. In 2022, they raised a $100 million Series D round , which gave Checkout.com a $4 billion valuation.
Checkout.com offers all the features you'd expect from a reliable payment processor, such as:
Extensive integrations with all major e-commerce platforms and applications.
Fraud protection, use risk scoring to build risk profiles and routing logic to customize and create risk rules. They use the built-in 3DS solution to verify all high-risk transactions and SCA compliance.
International coverage; the platform supports over 170 processed currencies in over 150 countries.
Multiple payment methods; Checkout.com supports all major debit and credit cards, digital wallets, including localized payment methods such as Klarna and GiroPay.
A comprehensive reporting tool that allows users to see a breakdown of all incoming and outgoing transactions, fees, and automatic reconciliation with the financial system.
Increased focus on crypto; Checkout.com now offers support for crypto payments as well.
The Unified Payments API allows you to aggregate and receive payments from multiple channels. This is important for businesses that use multiple acquisition channels or rely on international payments and want to integrate localized payment options.
A comprehensive payment solution email list to quickly pay customers. Users can pay directly to Mastercard and Visa, or use bank payments to send the amount to local payments.
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Checkout.com Review: Ease of Use
Integrating Checkout in your online store is easy. If your store is built on WooCommerce, they have a plugin that you can install to accept payments. There is a mobile SDK available, or you can also use their hosted payment page, which allows customers to enter their payment details and pay through that page.
Once logged in, you will access the Hub where you can view financial reports, transactions, create payment links or manage customers and their card details.
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Checkout.com Review: Integration
Checkout.com serves many popular e-commerce platforms , including all the big names and some obscure names like Optimus Prime or Panda Group. They work directly with companies to allow seamless integration with your existing tech stack.
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Checkout.com: Pricing
Unlike most other companies that charge a fixed percentage of each transaction, Checkout.com uses tailored pricing. To get a quote, you must fill out their form on their pricing page and contact their support directly.
This requires you to provide an estimate based on your monthly processing volume and payment needs. Based on your business profile and risk category, the company will provide you with a flat quote.
They also use Interchange++ for pricing, breaking down all cost components of each card transaction to provide customers with maximum transparency. While this is greatly appreciated, small business owners must first contact them for a tailored quote.
There are no plans or different payment tiers. However, the company does offer free payment processing for registered charities that support the state. Their support staff are usually very helpful and always have a little wiggle room when it comes to creating a tailored plan.
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Checkout.com Review: Security
Security is obviously a major concern for many online store owners. If you're integrating a payment platform, you'll want it to be as secure as possible. Thankfully, Checkout.com insists on ecommerce security .
First, Checkout Technology, a subsidiary of Checkout.com, is PCI DSS certified as a Tier 1 Service Provider. This is the highest standard for companies that process credit card information and store data.
The company is also taking additional steps to make transactions more secure and reduce risk. Checkout.com uses a 3D Secure 2.0 solution. It is essentially an additional authentication step to reduce the risk of fraud.