Checkout.com vs Worldpay 360 Hospitality

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.

Worldpay 360 Hospitality is a point-of-sale system that combines hospitality business management and payments. It supports product modifiers, table management, course firing, and promotions, while customers can pay or split bills at the table. Real-time reporting covers sales, staff performance, and customer preferences. The system tracks stock and ingredients and supports loyalty programs and gift cards, including their usage and balances. Magic AI Menu can create a product catalogue from a menu photo, while the Import Wizard accepts Excel files with thousands of items. Lite costs £49 a month, Standard £74 a month, and Pro £89 a month; each plan has an 18-month contract and transaction fees apply. Hardware is included in the monthly rental cost. Typical Visa and Mastercard rates start at 0.468% plus 2.5p per debit transaction, 0.914% plus 2.5p per credit transaction, and 2.003% plus 2.5p per commercial card transaction; other card types may have different fees. The system is available on web, Android, and iOS. Worldpay describes it for UK hospitality businesses of all sizes.