Checkout.com vs Profituity
Checkout.com
checkout.comProfituity
profituity.comSide by side
| Figure | Checkout.com | Profituity |
|---|---|---|
| Price from | Free | $10/mo |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 4 | 3 |
| Spec score · Payment Processing Software | 8.9 (#8) | 7.3 (#45) |
| Founded | 2012 | Profituity says it started in 2012. |
| Headquarters | London, United Kingdom | Wexford, Pennsylvania, United States |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | Profituity says its team typically responds to inquiries within one business day. |
| 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. | Profituity provides ACH payment processing, compliance, and audit-readiness services on one platform. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
Profituity
- RTO Pro ACH integration$10 a month
- RTO Pro transaction feePriced on request
- RTO Pro ACH processing$10 a month
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.
Profituity
Profituity provides ACH payment processing, compliance, and audit-readiness services for merchants, ISVs, merchant service providers, financial institutions, and third-party processors. Profituity Cloud shows real-time ACH program status and updates with Nacha rule changes. The company says documentation is generated continuously during normal operations for exam readiness, and describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules. Its API exposes nearly all website features for customer applications, with sandbox credentials for testing; HTTPS is required to protect credentials and tokens. Supported capabilities include recurring ACH payments, ACH credits, same-day ACH, and webhooks. Built-in RTO Pro integration requires approval and a site key. The RTO Pro ACH integration plan costs $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return.