Cashfree Payment Gateway vs Checkout.com
Cashfree Payment Gateway
cashfree.com
Checkout.com
checkout.comSide by side
| Figure | Cashfree Payment Gateway | Checkout.com |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 7 | 4 |
| Spec score · Payment Gateways | 8.8 (#6) | 8.8 (#7) |
| API documentation | The documentation includes structured API references, examples and an interactive Dev Studio playground. | The developer documentation includes API references, integration guides, payment actions, 3-D Secure, wallets, bank transfers, direct debit, payouts, testing and risk-management topics. |
| Founded | 2015 | 2012 |
| Headquarters | Bengaluru, Karnataka, India | London, United Kingdom |
| Payment methods | The gateway supports UPI, cards, net banking, wallets, EMI, pay-later products and more than 180 payment modes. | Supported methods include major card schemes, direct debits, vouchers, digital wallets and bank transfers. |
| Plugins | Ready-made plugins are available for Shopify, WooCommerce and other platforms; support pages also list Wix, WordPress, Zoho and PayPal integrations. | Official partner and plugin coverage includes Shopify, Magento, BigCommerce, WooCommerce, Salesforce Commerce Cloud, SAP Commerce Cloud and Chargebee. |
| Rating on Capterra | 4.4 out of 5 from 85 reviews. | 3.3 out of 5 from 3 reviews. |
| Rating on G2 | 4.0 out of 5 from 31 reviews. | 4.6 out of 5 from 70 reviews. |
| Rating on GetApp | 4.4 out of 5 from 84 reviews. | 3.3 out of 5 from 3 reviews. |
| Rating on Software Advice | 4.4 out of 5 from 83 reviews. | 3.3 out of 5 from 3 ratings. |
| Rating on Trustpilot | 1.5 out of 5 from 43 reviews. | 1.9 out of 5 from 103 reviews. |
| SDK licensing | Several official SDK and sample repositories are public under Apache-2.0 or MIT licenses, while the hosted payment service itself is proprietary. | The public Checkout.com SDK repositories shown on GitHub use the MIT license. |
| Security certifications | Cashfree states that it holds PCI DSS v4.0.1 Level 1, ISO 27001/27017/27018/9001 and SOC 2 Type 2 certifications. | The Trust Center lists SOC 1 Type II, SOC 2 Type II, PCI DSS, PCI 3DS, ISO 27001:2022, GDPR, CCPA and UK Cyber Essentials compliance programs. |
| Self-hosting | The product is delivered as Cashfree-hosted payment infrastructure; the official materials describe APIs, SDKs and plugins rather than a self-hosted gateway. | Checkout.com is delivered as a hosted cloud payment service; the vendor pages describe APIs, dashboards and hosted payment interfaces rather than self-hosting. |
| Support | The maker says enterprise accounts can receive a dedicated account manager and WhatsApp support. | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. |
Plans
Cashfree Payment Gateway
- Festive offerFree
- Instant SettlementsPriced on request
- Payment Gateway standard platform feePriced on request
- Standard platform feePriced on request
- EMI payment feePriced on request
- EnterprisePriced on request
- Introductory payment-gateway offerPriced on request
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
In their own words
Cashfree Payment Gateway
Cashfree Payment Gateway lets businesses accept online payments through hosted checkout, web elements, mobile integrations, APIs, plugins, payment links, and forms. Cashfree lists 180+ payment modes, including UPI, cards, wallets, EMI, and Pay Later, and says merchants can accept international payments in 140+ currencies. Integration options include Android, iOS, React Native, and Flutter, with Shopify and WooCommerce plugins also listed. Cashfree says its UPI gateway connects to 8+ banks and routes transactions between them; the default UPI settlement cycle is T+2 days, while instant settlements are available to eligible businesses. It lists PCI DSS, ISO 9001, and ISO 27001 certifications and identifies itself as an RBI-authorised Payment Aggregator. Onboarding is described as paperless, with a payment expert contacting new sign-ups within 24 working hours. Standard platform fees are priced on request, deducted from successful transactions before settlement. A festive offer gives eligible new merchants no gateway fees on the first ₹20L of GMV, though GST applies and exclusions and campaign conditions apply.
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.