Bolt vs. Checkout.com vs. Visa Acceptance Solutions (CyberSource)

If you have an eCommerce site, then Bolt could work very well for you! We have seen Bolt scale seamlessly as our sales have increased.

Incentivized

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

For basic users it is probably a good fit. For connecting it's API's are straightforward and most would find it an easy connection to be made. The site overall is just not designed well. When you try to look at transactions a portion of the information is cut of without a scroll bar being added to slide to the fields you would like to see. If you need to see the data on the screen you need to make some adjustments.

Incentivized

• Protects stores against fraudulent orders through detailed customer screening
• Offers great financing options for the customer
• Very easy to use for the customer
• Makes checkout extremely smooth and creates a great customer experience online

Incentivized

• 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

• They have built the connections to multiple card providers so that a retailer does not need to build the code for each one separately.
• The decision manager product catches and stops a lot of fraud from getting through and causing a large number or chargebacks.
• They also connect to PayPal making it easy to add them to any website as a payment method.

Incentivized

• I think Bolt could improve the coupon section of their platform. Allowing multiple codes to be input.
• I'd like to see some of the features that Bolt has made available on other shopping platforms on WooCommerce (It's worth noting most are available.)

Incentivized

• 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

• fees- competitive, but budget for them
• price transparency- it's hard to know exactly what you're being charged for. We are charged a small % of each incoming payment batch, so AR reconciliation is more difficult
• implementation- significant time and expertise required to get everything up and running smoothly

Incentivized

We have a long term contract and we already have them in our plans for the next 5 years.

Incentivized

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

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

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

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

Payeezy does not provide fraud check facility and they provide JS based integration. Since client wants server side integration due to security and fraud check as well in place of using another third party for fraud. We went ahead with Cybersource

Incentivized

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

• Very positive our orders have significantly increased over the past year
• Minimized fraudulent orders
• Customers feel confident when purchasing from our site

Incentivized

• 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

• It has streamlined credit card processing for the whole organization
• Provides all the info we need to locate specific transactions and address issues accordingly

Incentivized