Checkout.com vs Worldpay for Platforms

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 for Platforms provides embedded payment and financial technology for software platforms through web and API offerings. Its three models are Integrated Payments, PayFac-as-a-Service Pro, and PayFac Developer. Integrated Payments lets a platform refer customers while Global Payments handles onboarding, underwriting, risk, compliance, and servicing. PayFac-as-a-Service Pro supplies pre-built infrastructure for a white-labeled payments experience, with Global Payments supporting underwriting and compliance. PayFac Developer gives the platform control over onboarding and merchant support, plus configurable underwriting and risk models. Listed capabilities include global payment acceptance, flexible payouts, split payments, advanced KYC/AML tools, and full account management. PayFac Developer also includes fraud, risk, and compliance tools, reporting, analytics, and direct data access. APIs are offered for Referral Payments, PayFac-as-a-Service, and PayFac Developer. SaferPayments adds PCI support, quarterly external vulnerability scanning, compliance reminders, breach support, and 24/7 merchant support. Pricing is paid and available on request.