Checkout.com vs MobilePay

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.

MobilePay is a free Android and iOS app for sending and requesting money, splitting expenses, paying businesses, and collecting shared funds. Transfers can use a recipient’s phone number or QR code and are described as immediate. Groups can divide expenses, while a Box keeps shared collections separate from personal funds. After two people exchange money for the first time, the app creates a chat summarizing transfers, requests, and messages. Users can pay businesses online and in stores. The Get paid service lets merchants accept MobilePay, Visa, and Mastercard payments on a phone, send payment links, and invoice customers without extra equipment or a separate app. New-device login requires MitID and an SMS code. Each payment or transfer needs a code or Face ID confirmation. MobilePay operates on one device at a time and lets users block contacts. Private business payments have no charge, but some fees apply; Get paid bills 0.99% of transaction value and has no monthly subscription price.