Apple Pay is a payment gateway the vendor states gives customers an easy, secure, and private way to pay in stores, within apps, on the web, and in Business Chat.
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Checkout.com
Score 8.1 out of 10
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Checkout.com headquartered in London enables businesses with technology designed to make payments seamless. Checkout.com boasts the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, fraud filters and reporting through one API. Checkout.com can accept all major international credit and debit cards, as well as popular alternative and local payment methods. The company launched in 2012 and now has a team of over 1100 people across 18 offices worldwide.
I use it not only at stores in person but also online. It's so easy to use. I've been a victim of identity theft before and I just feel safer using it online than entering my individual credit card info every time. Plus I get cashback on purchases!
The ease of integration using Checkout.com with Zuora was a main deal breaker for us. It took us less than 1 business day to setup. Our CSM took over almost immediately when setup was completed and provided some potential plans on how we can improve approval ratings. At the same time, Checkout.com constantly introduces new features which is something I've rarely seen from my previous payment processors. Personally, I feel that Checkout.com should be used in any scenario where E-commerce is involved.
The ability for other integrations to still have their restricting permissions to be used. As an example, I can't use Apple Pay and still choose when I want my delivery because it's not in Apple Pay's coding to allow outside restrictions.
In the last 3 years that I have been working with Checkout.com, they had an unplanned outage that lasted less than a few minutes. Their uptime is amazing. If they have maintenance, unlike banks, they don't have downtime during this time. We frequently require their support and Checkout.com responds to us within minutes. When we have important rollouts, I schedule calls with our merchant support manager to monitor the rollout/perform tests, etc. It is always easy to find time lost even with short notice.
Checkout.com performance as an acquirer and a PSP is excellent. We have too many transactions per day, therefore reports take some time to generate before they are available for downloading. But it indeed takes reasonable time. We use native/h2h integration therefore, there is no redirection issue, all pages load quickly on our side. Based on my experience, Checkout.com will never never integrate with software or systems that will slow them down. Amongst all payment methods they offer, all are processed immediately, without delays.
Support has been excellent. They've been very communicative and informative about plans. And we can see how we can utilise them more going forward for expansion and set a target of alternative markets, which should overall increase our sales. On the regulatory side, we get updated details about changes to regulations.
Our choice to use Apple Pay was made because of the fast and easy access to funds, it is largely accepted by most vendors and it is a knowingly secure platform for transactions. Making it a trusted and effective resource for our company to utilize. We also found the setup to be more user-friendly.
We are not using only checkout.com; however, while choosing the 2nd provider, we made a choice for Checkout.com because: a. all needed basic features available, b. good pricing, c. developing company, d. teams who ask what the merchant wants and, after that - implement what the merchant wants (that's the most important).
Our tech team implemented payments API to process payments online. Analytics team receives transaction repots that we use to build our own performance dashboards and help to reconcile transactions. API is indeed flexible - we don't use all features but if required we can easily implement them. When Checkout.com adds new features or functionalities, some of them can be used even on an older API version which saved us tech resources and implementation time. We use the same API to expand into new markets - technically we don't need to change anything when we want to launch payments in a new country.
