Checkout.com vs PayPal Multiparty Payments
Checkout.com
checkout.comPayPal Multiparty Payments
developer.paypal.comSide by side
| Figure | Checkout.com | PayPal Multiparty Payments |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Embedded Payments Platforms | 8.9 (#3) | 7.9 (#7) |
| Spec score · Marketplace Payment Platforms | 8.9 (#3) | 7.8 (#6) |
| Disputes | The Disputes product supports chargeback prevention, evidence handling, dispute analytics and automated reconciliation through the dashboard and API. | Sellers handle disputes through the PayPal Account Resolution Center. |
| Fraud tools | Fraud Detection offers network intelligence, machine learning risk scores, transaction rules, and allow and block lists; a Pro tier adds advanced controls and analytics. | Expanded Checkout includes customizable fraud protection tools, and the checkout guide identifies Simility for customizable fraud tools. |
| Security | Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. | PayPal's developer security guidance requires HTTPS for API and SDK requests and says HTTPS is enforced on all endpoints. |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | The developer site lists FAQs, account help, and technical support among its help resources. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
PayPal Multiparty Payments
- PayPal Complete Payments PlatformPriced on request
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.
PayPal Multiparty Payments
PayPal Multiparty Payments is a payment-processing offering within PayPal Complete Payments Platform for marketplaces and other platforms. It supports global seller onboarding subject to local regulations and compliance rules, with payment acceptance, partner fees, foreign exchange, payouts, and dispute and chargeback management. Checkout options include PayPal, Pay Later, Venmo in the US, alternative payment methods, and credit or debit cards. Expanded Checkout adds customizable branded card fields, while its fraud tools can be customized. Multiparty checkout uses the PayPal JavaScript SDK and supports client-side and server-side integration. The platform is available only to approved partners, though sandbox testing is available before approval; advanced card payments also require vetting and underwriting. Multi-merchant orders are limited to 10 purchase units, with a 20-second API response timeout. Platform fees are not supported for first-party integrations. Pricing is on request.