Checkout.com vs NOWPayments
Checkout.com
checkout.com
NOWPayments
nowpayments.ioSide by side
| Figure | Checkout.com | NOWPayments |
|---|---|---|
| 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 | 5 |
| Spec score · Payment Gateways | 8.8 (#7) | 8.5 (#11) |
| Company profile | LinkedIn lists Checkout.com as privately held, founded in 2012, headquartered in London and employing 1,001–5,000 people. | LinkedIn lists NOWPayments as privately held, founded in 2019, headquartered in Tallinn, Estonia, with 11–50 employees. |
| Founded | 2012 | 2019 |
| Rating on G2 | 4.6 out of 5 from 70 reviews. | 4.5 out of 5 from 13 reviews |
| Rating on Trustpilot | 1.9 out of 5 from 103 reviews. | 4.5 out of 5 from 1,100 reviews |
| Security controls | Checkout.com states that production data is encrypted at rest and in transit and that it maintains formal security, privacy, risk-management and incident-response programs. | The homepage lists two-factor authentication, role-based access and withdrawal address whitelisting. |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | The pricing page advertises 24/7 support. |
| 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. | NOWPayments is a non-custodial gateway for accepting cryptocurrency payments, donations and payouts through websites, stores and social accounts. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
NOWPayments
- Standard payment processingFree
- Autoconverted or fixed-rate paymentsPrice not published
- Off-chain conversionsPrice not published
- Payments without conversionPrice not published
- Withdrawals and mass payoutsPrice not published
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.
NOWPayments
NOWPayments lets businesses accept cryptocurrency payments on websites, online stores, and social media accounts. Its homepage says the gateway supports 350+ crypto coins and 75+ fiat coins. Payment options include invoices, subscriptions, buttons, donations, point of sale, widgets, plugins, and a white-label option. The API supports instant payment notifications and allows one order to be paid with multiple cryptocurrencies. Named ecommerce integrations include WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop, and Ecwid. NOWPayments describes its service as non-custodial and says it does not hold or store customer funds. Received crypto can be converted automatically into a chosen cryptocurrency using ChangeNOW. Account security controls include two-factor authentication, role-based access, and withdrawal whitelisting. The company presents the service for businesses including ecommerce, gaming, SaaS, marketplaces, charities, payroll, and travel. It advertises 24/7 support. NOWPayments was founded in 2019 by the team behind ChangeNOW and identifies FD Transfers LLC as its operator. The listed standard payment processing plan is free; blockchain network fees are excluded, and enterprise pricing is available on request.