Checkout.com vs Razorpay Route

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.

Razorpay Route splits incoming payments among multiple sellers, service providers, or bank accounts. For marketplaces, it can direct parts of a customer payment to chosen sellers and control the amount, recipient, and settlement timing. Businesses can onboard vendors and other payees as linked accounts without physical paperwork, make multiple transfers from one payment, and reverse transfers through APIs. Settlements can be scheduled, deferred, or held until business conditions are met. Route also supports API-driven reconciliation and reporting for transactions, transfers, and settlements. Payments collected through Subscriptions, Payment Links, Invoices, and Smart Collect can be split through Route. It supports webhooks for transfer creation and reversal, with separate test and live URLs. Razorpay describes it as built for 100,000+ sellers and millions of transactions, with Amazon AWS hosting and auto-scaling. Access requires domestic turnover above ₹40 Lakhs or export turnover above ₹5 Lakhs in FY26 or FY25, plus payer-payee transparency information. The Standard Plan is $0.10 as a one-time purchase, with GST applicable; a Customized Plan has no listed price.