Checkout.com vs. PayPal Payments Pro vs. Windcave

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

Paypal is great for personal payments as well as business payments for ecommerce of for paying monthly memberships. It is a user friendly software that needs little expertise to get used to. For larger payments, the fees become high therefore it is more suitable for payments of upto few hundred dollars.

• 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

• You can Keep track of transactions and conform accounts daily
• Require users set strong passwords
• PayPal Payments also comes with an encryption feature that protects our customer’s and our data to the highest possible standard of security.
• Like its desktop version, PayPal Payments has a mobile application that is super easy to operate.
• PayPal Payments is extremely user-friendly and easy to use and comes up with a Great user interface.

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

• Sometimes the UX flow would not deliver the customer back to our site, leaving orders in limbo "Pre-approved" status. The customer would call days later asking why we hadn't shipped it.
• The PayPal logo on the checkout page can be kind of large and obtrusive.
• They mention new features and programs on their login page, but it's hard to find any details on them deeper in the software.

Incentivized

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

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

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

Customer service representatives were unable to explain why customer in Australia were unable to make payments using our link. It turned out that customers in Australia must create an account. PayPal's user interface did not reveal this to our customers in Australia. There was plenty about this issue appearing in online forums and PayPal customer service couldn't explain this. This change in PayPal's usability happened between April and May of 2021 and was done without notice to vendors (like us).

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

For us, TransferWise was a very good option to be able to send and receive payments, it is a very reliable system and allowed our employees to receive payroll money safely, however, the reason we prefer PayPal Payments is because offers us a more instantaneous receipt of money, TransferWise made us wait several days for payments to be completed, we had to wait a long time for our employees to receive the money we sent them. PayPal Payments is very different, payments are completed instantly, the only delay is the one that is placed with the freezing of funds when sending money to a new employee.

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

• In the past year we've lost a couple hundred dollars due to cancelled payment agreements
• Due to the large percentage who choose PayPal Payments, it's brought in thousands in sales that may have been abandoned otherwise
• Customers trust PayPal Payments and some feel more comfortable with it rather than putting in their credit card info. It's allowed purchasers who otherwise wouldn't have bought to purchase with the security of not having to enter sensitive payment info.

Incentivized