Checkout.com vs SumUp Payment Links
Checkout.com
checkout.comSumUp Payment Links
sumup.comSide by side
| Figure | Checkout.com | SumUp Payment Links |
|---|---|---|
| Price from | Free | £15.75/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 4 |
| Spec score · Payment Link Software | 8.9 (#5) | 8.6 (#10) |
| Founded | 2012 | 2012 |
| Payment methods | Supported methods include major card schemes, direct debits, vouchers, digital wallets and bank transfers. | The Payment Links page displays Mastercard, Visa, American Express, Diners Club, Discover and UnionPay as payment methods. |
| Rating on Capterra | 3.3 out of 5 from 3 reviews. | 4.8 out of 5 from 17 reviews for SumUp Point of Sale. |
| Rating on G2 | 4.6 out of 5 from 70 reviews. | 4.6 out of 5 from 24 reviews. |
| Rating on GetApp | 3.3 out of 5 from 3 reviews. | 4.5 out of 5 from about 1,200 reviews. |
| Rating on Trustpilot | 1.9 out of 5 from 103 reviews. | 4.2 out of 5 from 59,787 reviews. |
| Security | Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. | SumUp says every payment link is protected by 3D Secure 2. |
| Self-hosting | Checkout.com is delivered as a hosted cloud payment service; the vendor pages describe APIs, dashboards and hosted payment interfaces rather than self-hosting. | Payment Links is delivered as SumUp-hosted checkout infrastructure; the product pages do not describe a self-hosted deployment. |
| 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. | Payment Links creates secure online checkout links that merchants share so customers can pay without a website, online store, card reader or SumUp app. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
SumUp Payment Links
- Pay-as-you-goFree
- Payment LinksFree
- Payments Plus£19 a month
- Payments Plus annual£189 a year
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.
SumUp Payment Links
SumUp Payment Links lets businesses collect online payments by sharing a link, without needing a website or card reader. Merchants can create links for fixed or open amounts, reuse them, set expiration dates and allow tips or notes. Links can be sent through Instagram, WhatsApp, SMS and email, or shown as QR codes. Customers pay on a secure page without downloading an app or creating an account. The SumUp Business App shows which links are paid or outstanding and lets merchants resend unpaid ones; after a payment, the merchant’s account is updated with a push notification. Listed payment methods are Mastercard, Visa, American Express, Diners Club, Discover and UnionPay. Link creation is supported in a browser, app, POS Lite and SumUp Register. SumUp says links use 3D Secure 2. The free plan has no monthly fee and charges 2.50% per transaction; paid plans start at £19/mo.