Checkout.com vs. Google Pay

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

The most fitting scenarios for use of Google Pay generally include times in which people go out to eat or grab coffee or drinks. Other times are for planned parties where one person needs to put down a credit card to pay vendors, buy products/food/etc, and needs to be reimbursed by others who may not have cash/are not in the same office space as the payor/and other similar circumstances

Incentivized

• Reliability of the platform
• Account management: bi-weekly calls and follow up by email or slack, good understanding of our needs and high engagement
• Technical account manager: as above, high engagement with us and sharing Checkout.com technical roadmap
• Performance: with the recent enhancement in intelligent acceptance,
• Mix of own and third party acquiring: this is much appreciated for a merchant like us to be able to process locally via third party acquiring when Checkout.com does not have its own

Incentivized

• They provide good rewards like cash back offers and gift vouchers.
• Easy to pay by scanning the QR code.
• Help us to find best recharges for our mobile.
• Easy to pay electricity bill.
• Will notify us if our validity expires on recharges.
• Self money transfer, we can transfer money to other account if both the accounts are linked with Google Pay.
• We can check balance by enter the UPI Pin.

• 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

• Google Wallet had a few glitches I was unhappy with, but Google Pay seems to have corrected them. Who knows if the changes were related to the name change or if they just happened to coincide with the timing for the most part, but either way I really don't have any big complaints.

Incentivized

We do not challenge the change of payment solution every year. It's a long-term choice.

Incentivized

I feel that this system not safe. Google keep charging my credit card but they say they cannot trace the payment because there is no transaction record! I cannot stop the payment.

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

Support has been top-notch. I've been with 3 different payment processors in the past and they did not provide any support with regards to failed payments, regular calls to optimize our acceptance rating. Checkout.com has been in constant communication with us since Day 1, explaining trends and providing us with data and explaining to us how we can improve to get the most out of Checkout.com.

Incentivized

I have had no direct experience with the Customer Support team for google pay. I never faced any issues or problems. I heard from other friends and colleagues that the customer service is great. This method of payment is now more and more being used as it is more secure and also at the same time fast and easy.

Incentivized

We still use all the above, but checkout was selected to be included within them because of their current stability, their future-looking approach, and our interest in how they would develop. It's fair to say they are keeping to that initial evaluation and going from strength to strength.

Incentivized

I was not a part of the discussion to implement Google Pay into our store, but I am definitely an advocate. Amazon Pay was used sparingly but still a helpful option; I believe that Google Pay is more widespread and simpler to use. I would be interested to see how payment disputes are handled between these different payment platforms; so far, we have only had to handle disputes through PayPal, which can be complicated but have typically been resolved quickly.

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

• To be honest the performance are in line with other providers.
• The positive impact is related to the quality of the services, very high and easy to handle.
• The negative impact is related to the revision of manageable volumes due to the revision of risks other than those expected after contract signing.

Incentivized

• Google Pay (formerly known as Google Wallet) organizes spending and makes recommendations--all around grouped conversations
• Improves risk mitigation and ensures safety and account health of our vendors
• Increased efficiency and pushes payments through at a faster rate
• Provides work-life balance when fiscal deadlines slowly approach

Incentivized