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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Authorize.net

    Score8 out of 10
    N/AAuthorize.net is a payment gateway software solution offered by Visa featuring secure data processing and fraud protection.

    $25

    monthly gateway

    Checkout.com

    Score10 out of 10
    N/ACheckout.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.N/A
    Pricing
    Authorize.netCheckout.com
    Editions & Modules
    All-in-One Option
    25 & 2.9% + $0.30
    monthly gateway/per transaction
    Payment Gateway Only
    $25
    monthly gateway
    No answers on this topic
    Offerings
    Pricing Offerings
    Authorize.netCheckout.com
    Free Trial
    NoNo
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional Details
    More Pricing Information
    Community Pulse
    Authorize.netCheckout.com
    Considered Both Products
    Visa
    No answer on this topic
    Checkout.com
    Chose Checkout.com
    Significantly better merchant support, tech and knowledge in the field.
    Incentivized
    Key User Insights
    Would buy again
    90%
    Would buy again
    19 Answers
    98%
    Would buy again
    44 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    17 Answers
    100%
    Delivers good value for the price
    41 Answers
    Happy with the feature set
    95%
    Happy with the feature set
    20 Answers
    93%
    Happy with the feature set
    42 Answers
    Lived up to sales and marketing promises
    93%
    Lived up to sales and marketing promises
    13 Answers
    91%
    Lived up to sales and marketing promises
    31 Answers
    Implementation went as expected
    89%
    Implementation went as expected
    16 Answers
    95%
    Implementation went as expected
    40 Answers
    Features
    Authorize.netCheckout.com
    Payment Gateways
    Comparison of Payment Gateways features of Authorize.net and Checkout.com
    Feature
    Authorize.net
    9.0
    1 Ratings
    19% above category average
    Checkout.com
    7.9
    39 Ratings
    6% above category average
    Fraud Detection9.01 Ratings7.432 Ratings
    API or SDK9.01 Ratings8.437 Ratings
    Recurring Payment Support9.01 Ratings7.929 Ratings
    Billing and Invoicing Support00 Ratings7.933 Ratings
    Global Support00 Ratings8.236 Ratings
    Payment Form Acceptance00 Ratings7.533 Ratings
    Best Alternatives
    Authorize.netCheckout.com
    Small Businesses
    Apple Pay
    Score9.1 out of 10
    Apple Pay
    Score9.1 out of 10
    Medium-sized Companies
    Payoneer
    Score8 out of 10
    Payoneer
    Score8 out of 10
    Enterprises
    Checkout.com
    Score10 out of 10
    Adyen
    Score8.9 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    Authorize.netCheckout.com
    Likelihood to Recommend
    8.0
    (31 ratings)
    8.3
    (45 ratings)
    Likelihood to Renew
    9.1
    (2 ratings)
    9.1
    (2 ratings)
    Usability
    8.0
    (1 ratings)
    -
    (0 ratings)
    Availability
    -
    (0 ratings)
    9.1
    (1 ratings)
    Performance
    -
    (0 ratings)
    9.1
    (1 ratings)
    Support Rating
    5.0
    (1 ratings)
    7.9
    (43 ratings)
    Product Scalability
    -
    (0 ratings)
    9.1
    (1 ratings)
    User Testimonials
    Authorize.netCheckout.com
    Likelihood to Recommend
    Visa
    Authorize.net is reliable and I feel confident that customers' information is protected. The security protocols used by Authorize.net appear to be as good, and probably better than many credit card payment processors. However, the initial setup process was very difficult. I distinctly recall getting up and running as being very cumbersome and time-consuming. I also was disappointed with how the processing and deposit of payments were not consistent. I distinctly remember regretting the decision to go with Authorize.net. However, as mentioned before, with the time and effort required to get the account set up and running, I refused to go through the process again and try a different provider.
    Incentivized
    Read full review
    Checkout.com
    Checkout offers great service and expertise and stands above its peers in full-service offering, integration, and ongoing support. However, Checkout is not suitable in a scenario where Paysend is fully licensed and a direct acquirer of the scheme. In this scenario, Paysend can perform the full value chain in-house.
    Incentivized
    Read full review
    Pros
    Visa
    • Very smooth workflow to authorizing, capturing, voiding, and refunding charges. This can all be done via API calls, or through their online dashboard.
    • Their AVS settings for validating credit cards are substantial and have been reliable in ensuring that our customers cards are being used safely and properly.
    • Their uptime and response times are very good in general. The only issues we ever have communicating with their services is when our connection quality is compromised.
    Incentivized
    Read full review
    Checkout.com
    • They provide excellent advice from knowledgeable subject matter experts on all things payments.
    • They adapt quickly to our business-changing needs, helping us stay agile as our business grows.
    • They provide trustworthy and reliable services that enable us to take payments with as little friction as possible.
    • They are as passionate about performance as we are, working closely with us to ensure we maximize the chances of success for every transaction.
    Incentivized
    Read full review
    Cons
    Visa
    • The lack of data portability is a big issue for me.
    • Authorize.net uses the same $49.00 gateway setup fee to scam merchants out of money, which is no better than any of the other gateways out there.
    • Their customer service is not up to the mark. You can get stuck if you need any help from their end.
    Incentivized
    Read full review
    Checkout.com
    • Their dashboard can get better. They have been making improvements
    • Faster settlements as it's a bit of a pain to have big reserves till ACH clears every day
    • Much stronger consumer facing brand name in the US so more end customers trust the links powered by Checkout.com
    Incentivized
    Read full review
    Likelihood to Renew
    Visa
    Authorize.net has been a useful system for our Chamber. We appreciate the ease of use and access to our Main Frame. Connecting Authorize.net to our system for membership, event and other payment ease has been excellent and we have experienced no problems whatsoever.
    Incentivized
    Read full review
    Checkout.com
    We have a long term contract and we already have them in our plans for the next 5 years.
    Incentivized
    Read full review
    Usability
    Visa
    Except for some of the back of the house issues with settings the overall usability was great
    Incentivized
    Read full review
    Checkout.com
    No answers on this topic
    Reliability and Availability
    Visa
    No answers on this topic
    Checkout.com
    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.
    Incentivized
    Read full review
    Performance
    Visa
    No answers on this topic
    Checkout.com
    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.
    Incentivized
    Read full review
    Support Rating
    Visa
    I have no experience directly with the support offered by Authorize.Net.
    Incentivized
    Read full review
    Checkout.com
    When we were discovering the possibility of opening an entity in the United States to process transactions as domestic cards, Checkout.com did not just quickly provide the requirements to open that market as we asked them to but showed us slides with all the possibilities we had for each of their licenses in the world, calculating an estimate of the acquiring costs and acceptance rate we would have, based on the cross-border volumes we were processing with them, to evaluate other ways to improve our business.
    Incentivized
    Read full review
    Alternatives Considered
    Visa
    Authorize.net is a reliable and affordable payment processing service that offers more robust security than other services, such as Stripe or PayPal with their monthly fees at $25 dollars month lot of people may be turned off by these high prices but you get what you pay for - protection against fraud in risky transactions so I would recommend using Authorize.net if this matters to your business!
    Incentivized
    Read full review
    Checkout.com
    Both CyberSource and Ingenico provided poor support on any types of issues. Integration was a nightmare as it took months just to set them up as compared to Checkout.com. Checkout.com provided us with quick integration and constant monitoring of our transactions which is what we really needed.
    Incentivized
    Read full review
    Scalability
    Visa
    No answers on this topic
    Checkout.com
    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.
    Incentivized
    Read full review
    Return on Investment
    Visa
    • Lets us charge cards so we can get paid on time, every time.
    • It was very difficult to setup the DocuSign integration the first time, but after we got it setup, it's made the onboarding process very easy. That probably saves about 30 minutes every time we get a new client.
    Incentivized
    Read full review
    Checkout.com
    • Checkout has allowed us to enter markets worldwide without having to find a new provider—the same seamless experience across Europe, the UK, and Australia.
    • The efficient chargeback setup on the portal allows us to monitor and respond to chargebacks promptly and efficiently, and help is always available for cases that are a little less black or white.
    Incentivized
    Read full review
    ScreenShots