Checkout.com vs Zoneless
Checkout.com
checkout.comZoneless
zoneless.comSide by side
| Figure | Checkout.com | Zoneless |
|---|---|---|
| Price from | Free | $99/mo |
| Free plan | Yes | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 4 | 4 |
| Spec score · Marketplace Payment Platforms | 8.9 (#3) | 7.7 (#9) |
| Identity Verification | Identity Verification uses video, AI document checks, liveness and face matching, covering more than 3,000 document types across 195 countries. | Zoneless supports seller verification rules and reviews, and its KYC guide describes integration with Didit for document and selfie checks. |
| Security | Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. | Its security policy asks vulnerability reports to be sent through GitHub Security Advisories or directly to maintainers and provides response targets of 48 hours for initial response and seven days for a status update. |
| Support | Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7. | Cloud Free includes community support, Pro includes faster email support, and Scale includes priority support. |
Plans
Checkout.com
- Registered charitiesFree
- Registered-charity processingFree
- Custom tailored planPriced on request
- Tailored pricingPriced on request
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.
Zoneless
Zoneless is an open-source payments platform for checkout, subscriptions, marketplace accounts and payouts using USDC. Customers can pay through hosted checkout, products or payment links. Marketplaces can collect seller details and connect wallets through a hosted onboarding flow, with seller verification rules and reviews available. The service supports recurring payments, invoices and subscription status management. Payouts use USDC on Solana; the maker says they usually arrive within seconds and that Zoneless charges no payout fee, while Solana network fees are currently around $0.002 per payout. Its API uses Stripe object shapes, webhook patterns and idempotency conventions, and a Node.js SDK is documented. Zoneless runs as a managed cloud service or can be self-hosted with Docker and Docker Compose. Cloud Free is free for up to 1,000 payouts per month; Pro is $99 a month, and Scale is $499 a month. Self-hosted is free.