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Checkout.com vs. Xoom, a PayPal Service (personal use only)

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    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

    Xoom, a PayPal Service (personal use only)

    Score7 out of 10
    N/AXoom, a PayPal Service, is an online money transfer service for quickly sending money internationally. Xoom’s services are currently for personal use only, and business usage is against its terms of service.N/A
    Pricing
    Checkout.comXoom, a PayPal Service (personal use only)
    Editions & Modules
    No answers on this topic
    No answers on this topic
    Offerings
    Pricing Offerings
    Checkout.comXoom, a PayPal Service (personal use only)
    Free Trial
    NoNo
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeOptional
    Additional Details——
    More Pricing Information
    Community Pulse
    Checkout.comXoom, a PayPal Service (personal use only)
    Considered Both Products
    Checkout.com
    No answer on this topic
    Discontinued Products
    No answer on this topic
    Key User Insights
    Would buy again
    98%
    Would buy again
    44 Answers
    100%
    Would buy again
    22 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    41 Answers
    95%
    Delivers good value for the price
    21 Answers
    Happy with the feature set
    93%
    Happy with the feature set
    42 Answers
    100%
    Happy with the feature set
    22 Answers
    Lived up to sales and marketing promises
    91%
    Lived up to sales and marketing promises
    31 Answers
    95%
    Lived up to sales and marketing promises
    19 Answers
    Implementation went as expected
    95%
    Implementation went as expected
    40 Answers
    100%
    Implementation went as expected
    20 Answers
    Features
    Checkout.comXoom, a PayPal Service (personal use only)
    Payment Gateways
    Comparison of Payment Gateways features of Checkout.com and Xoom, a PayPal Service (personal use only)
    Feature
    Checkout.com
    7.9
    39 Ratings
    6% above category average
    Xoom, a PayPal Service (personal use only)
    -
    Ratings
    Fraud Detection7.432 Ratings00 Ratings
    API or SDK8.437 Ratings00 Ratings
    Recurring Payment Support7.929 Ratings00 Ratings
    Billing and Invoicing Support7.933 Ratings00 Ratings
    Global Support8.236 Ratings00 Ratings
    Payment Form Acceptance7.533 Ratings00 Ratings
    Best Alternatives
    Checkout.comXoom, a PayPal Service (personal use only)
    Small Businesses
    Apple Pay
    Score9.1 out of 10
    No answers on this topic
    Medium-sized Companies
    Payoneer
    Score8 out of 10
    No answers on this topic
    Enterprises
    Adyen
    Score8.9 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternatives
    User Ratings
    Checkout.comXoom, a PayPal Service (personal use only)
    Likelihood to Recommend
    8.3
    (45 ratings)
    8.4
    (22 ratings)
    Likelihood to Renew
    9.1
    (2 ratings)
    8.0
    (1 ratings)
    Usability
    -
    (0 ratings)
    9.0
    (1 ratings)
    Availability
    9.1
    (1 ratings)
    -
    (0 ratings)
    Performance
    9.1
    (1 ratings)
    -
    (0 ratings)
    Support Rating
    7.9
    (43 ratings)
    9.0
    (2 ratings)
    Implementation Rating
    -
    (0 ratings)
    7.0
    (1 ratings)
    Product Scalability
    9.1
    (1 ratings)
    -
    (0 ratings)
    User Testimonials
    Checkout.comXoom, a PayPal Service (personal use only)
    Likelihood to Recommend
    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
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    Discontinued Products
    Xoom is best suited to send and receive money between two people who live in different countries, not only that we can also send money to our friends, colleagues, family members directly in their bank accounts. They have a great currency exchange functionality that directly converts our received money into our local currency, and deposits it into our bank account within a few minutes. The only drawback is that not many people know about it, it needs good marketing so that more people can use this service, and from my experience, I can say it is very secure and a good competitor of Payoneer.
    Incentivized
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    Pros
    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
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    Discontinued Products
    • Very fast transfer and very secure as being of PayPal.
    • Receiver don't need to download the app or use Xoom.
    • It supports bank and debit card to transfer funds and same with the receiver.
    Incentivized
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    Cons
    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
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    Discontinued Products
    • Some destinations take longer to get delivered to.
    • Higher amounts of money are harder to transfer.
    • High fees when trying to add funds to new card.
    Incentivized
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    Likelihood to Renew
    Checkout.com
    We have a long term contract and we already have them in our plans for the next 5 years.
    Incentivized
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    Discontinued Products
    I don't see any other service that is so versatile and which offers such a breadth of services.
    Incentivized
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    Usability
    Checkout.com
    No answers on this topic
    Discontinued Products
    It's one of the most easy to use and intuitive platforms. The app is very powerful as well.
    Incentivized
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    Reliability and Availability
    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
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    Discontinued Products
    No answers on this topic
    Performance
    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
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    Discontinued Products
    No answers on this topic
    Support Rating
    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
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    Discontinued Products
    The support team is excellent. They help with any queries.
    Incentivized
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    Implementation Rating
    Checkout.com
    No answers on this topic
    Discontinued Products
    The implementation was largely successful. Since this was a large shift from normal practices, we faced a few teething problems, but largely I'd say it went well.
    Incentivized
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    Alternatives Considered
    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
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    Discontinued Products
    We agreed to select Xoom as the main payment method since it had more flexible options. It gives the user a full guarantee of transacting safely and when there is a conflict the customer support team acts quickly. The charges for sending and receiving money are relatively low as compared to other platforms. The mobile application has biometric login features making it difficult for unauthorized users to access confidential information.
    Incentivized
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    Scalability
    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
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    Discontinued Products
    No answers on this topic
    Return on Investment
    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
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    Discontinued Products
    • We have had an uptick in payment processing times.
    • We receive payments from customers on time with no lag between invoice and payment dates.
    • Overall Xoom has literally added to our bottom line by allowing more than a physical check payment option.
    Incentivized
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    ScreenShots