BitPay vs Checkout.com
BitPay
bitpay.com
Checkout.com
checkout.comSide by side
| Figure | BitPay | Checkout.com |
|---|---|---|
| Price from | $1.53/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | Yes | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 4 |
| Spec score · Payment Processing Software | 9.5 (#1) | 8.9 (#8) |
| Founded | 2011 | 2012 |
| Headquarters | Atlanta, Georgia, United States | London, United Kingdom |
| Rating on Capterra | 4.4 out of 5 from 17 reviews. | 3.3 out of 5 from 3 reviews. |
| Rating on G2 | 4.0 out of 5 from 21 reviews. | 4.6 out of 5 from 70 reviews. |
| Rating on GetApp | 4.4 out of 5 from 17 reviews. | 3.3 out of 5 from 3 reviews. |
| Rating on Trustpilot | 1.2 out of 5 from 299 reviews. | 1.9 out of 5 from 103 reviews. |
| Rating on TrustRadius | 6 out of 10 from 4 reviews. | 10 out of 10 from 90 reviews and ratings. |
| SDKs | BitPay publishes server-side libraries distributed through Composer, Maven, NuGet and npm, including Java, C#, PHP, Node and related tooling. | Public SDK repositories are provided for Node.js, PHP, .NET, Java, Python, Ruby and Go, plus Android components. |
| Security | BitPay's Trust Center lists SOC 3, SOC 1 Type 2, SOC 2 Type 2, NY DFS cybersecurity requirements, and DORA information. | Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. |
| Support | BitPay directs users to its Support Center and offers assistance through the BitBot support interface. | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. |
| What it does | BitPay provides crypto payment acceptance, payouts, invoicing, settlement and self-custody wallet tools for businesses and individuals. | Checkout.com is an end-to-end payment-services provider for accepting online payments, sending payouts and managing balances through one platform. |
Plans
BitPay
- Under $500,000 monthly transaction volumePriced on request
- $500,000–$999,999 monthly transaction volumePriced on request
- At least $1,000,000 monthly transaction volumePriced on request
- BitPay WalletFree
- Crypto acceptance — $500,000–$999,999 monthly volume$1.53 a month
- Crypto acceptance — $1,000,000+ monthly volume$125 a month
- Crypto acceptance — under $500,000 monthly volume$225 a month
- BitPay merchant processingPriced on request
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
In their own words
BitPay
BitPay provides businesses with tools to accept cryptocurrency payments and send cryptocurrency payouts. Merchants can take payments online, in stores, and through email billing, with tools for ecommerce, donations, and retail. It lists integrations and plugins for Shopify, WooCommerce, Magento, BigCommerce, and other ecommerce platforms. Developers can integrate through BitPay REST APIs and SDKs, or official libraries for Java, Node, PHP, C#, and Python. Customer cryptocurrency payments are converted to local currency, and bank settlement is initiated the next business day; businesses can settle in fiat, cryptocurrency, or a mix of both. Merchant processing fees depend on cumulative monthly transaction volume: 2% + 25¢* below $500,000 USD, 1.5% + 25¢* from $500,000 to $999,999 USD, and 1% + 25¢* at $1,000,000 USD or more. BitPay also offers a free wallet app for mobile and desktop. Its self-custody wallet supports buying, selling, swapping, and storing cryptocurrency, buying gift cards, and paying bills. BitPay was founded in 2011 and is headquartered in Atlanta, Georgia, United States. Bill Pay is available only to US residents.
Checkout.com
Checkout.com provides businesses with services to accept customer payments and send funds, through multiple payment methods and integration routes. It supports more than 150 processing currencies and local acquiring in over 50 countries. Merchants can take major card schemes, direct debits, vouchers, digital wallets and bank transfers, with recurring and marketplace payments also listed. Integration options include Flow, ecommerce plugins, mobile SDKs for Android and iOS, hosted payment pages and an API; its partner directory names Shopify, WooCommerce, BigCommerce and Salesforce Commerce Cloud. Intelligent Acceptance uses an AI engine to optimize payments. Fraud Detection includes network intelligence, machine-learning risk scores, transaction rules, and allow and block lists, with advanced controls and analytics in a Pro tier. Checkout.com says it is PCI DSS Level 1 compliant and its systems are ISO 27001 certified. Pricing is on request and tailored to business profile and risk category; registered charities can receive free processing where the service operates. The company lists Android, iOS, web and API support.