Checkout.com vs Midtrans
Checkout.com
checkout.com
Midtrans
midtrans.comSide by side
| Figure | Checkout.com | Midtrans |
|---|---|---|
| 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 | 4 | 8 |
| Spec score · Payment Gateways | 8.8 (#7) | 9.0 (#3) |
| Spec score · Payment Processing Software | 8.9 (#8) | 9.0 (#5) |
| Spec score · Hosted Checkout Software | 8.8 (#4) | 9.0 (#1) |
| Founded | 2012 | 2012 |
| Fraud Detection | Fraud Detection combines machine-learning risk scores, device data, velocity rules, allowlists and blocklists to identify suspicious transactions. | Midtrans analyzes transaction behavior with machine-learning techniques using signals such as location, email and timing. |
| Headquarters | London, United Kingdom | Pasaraya Blok M, Building B, Jl. Iskandarsyah II No. 2, South Jakarta 12160, Indonesia |
| Payment methods | Supported methods include major card schemes, direct debits, vouchers, digital wallets and bank transfers. | The service advertises 25 payment methods, including bank transfer, cards, QRIS and e-wallets. |
| Security | Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. | Midtrans says it is licensed by Bank Indonesia, registered with Indonesia’s Ministry of Communication and Informatics, uses AES-256 encryption, and is ISO/IEC 27001 certified. |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | Midtrans lists support for technical integration, registration, payment methods, transactions, pricing, withdrawals, and account changes; its contact page gives weekday and weekend support hours. |
| What it does | Checkout.com is an end-to-end payment-services provider for accepting online payments, sending payouts and managing balances through one platform. | Midtrans is an Indonesian payment gateway for accepting online payments and managing payouts. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
Midtrans
- Pay per successful transactionFree
- DANA1.50 IDR, paid once
- GoPay2 IDR, paid once
- ShopeePay2 IDR, paid once
- QRIS7 IDR, paid once
- OVO15 IDR, paid once
- Bank-transfer virtual accounts4,000 IDR, paid once
- Cards292,000 IDR, paid once
In their own words
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.
Midtrans
Midtrans helps businesses accept payments through cards, bank transfers, e-wallets, QRIS, over-the-counter payments, cardless credit, direct debit, and other methods. Merchants can select from 25 payment methods and enable all or only those they need. Snap supplies a checkout interface for websites and mobile apps; Core API lets a business build its own payment flow. Merchants can also create a payment page link in the dashboard without code and share it with customers.
For ecommerce, Midtrans documents plugins for WordPress WooCommerce, Magento, PrestaShop, OpenCart, and WHMCS, along with integrations for Shopify, Sirclo, and Jejualan. Android and iOS SDKs support native in-app payments. Recurring charges can collect fixed subscription amounts at selected intervals and retry failures, though only some payment channels support them. Midtrans says it screens every transaction for fraud using machine learning and analyst-defined rules. It is available on Android, iOS, web, and through an API. Setup is free, with charges on successful transactions; pricing starts from 4,000 IDR, and fees can differ for gaming and digital product companies.