Top 8 Checkout.com alternatives for 2025

If you’re researching Checkout.com and its alternatives, there are three likely possibilities:

1. You’re a huge padel fan and have been moved by their sponsorships of Galán and Brea.

2. Your business needs to process payments online and wants it to be efficient and affordable.

3. Both of the above apply.

We’ll stick to what we know best in this article: Payment processing and how you can choose the best provider for your business.

Starting with the pros and cons of Checkout.com, we’ll then look at alternative providers, compare some important features, and highlight the key criteria to consider in your search. Ready to get into it? We’ll take the first serve.

What is Checkout.com?

Checkout.com is a payments company that positions itself as being “where the world checks out”. Industry research estimates it to be the 17th most popular payment processor in the market¹.

The company’s two main areas of interest are commerce and fintech, prioritising payment processing and embedded finance. It also offers features like identity verification and treasury management.

We’ll generally be referring to Checkout.com for its payment processing abilities in this article, but we’ll also try to give some airtime to embedded finance features and requirements.

Why businesses are looking for Checkout.com alternatives in 2025

It doesn’t matter whether you’re a loyal Checkout.com customer or a completely new entrant to the market, reviewing your options is a sensible business decision.

Your payment provider (or fintech layer) is one of the most important partners your business will have, so you want to be confident that they can do everything you need at a price you can afford.

The businesses that are looking away from Checkout.com might be considering:

• A need for lower fees or a pricing model that better suits their business

• Needing a platform that can scale with them to their next stage

• Faster settlement times or less settlement friction

• More payment method options for specific markets and geographies

• Easier or more powerful integrations and developer tools

• Better customer support

Key factors to consider when choosing a Checkout.com alternative

If you’re going to look at competitors, you need to be comparing apples to apples. Payment providers tend to do a lot of things besides payment acceptance. The bells and whistles can get distracting.

When you’re making your comparisons, try to focus on the following criteria:

• Number of payment methods, currencies, and countries supported

• Transaction fees and any one-off or ongoing account charges

• Settlement speed and payout flexibility (e.g. timing or multi-currency)

• API quality, customisability, and developer-friendliness

• Security, compliance, and fraud prevention tools

• Customer support standards and SLAs

Of course, the specifics of your business and situation will dictate which of these matter most. There will also be other unique considerations that you and your team will need to identify.

Top 8 Checkout.com alternatives and competitors for 2025

If you’ve spent any amount of time researching payment providers, you’ll know there are enough to choose a new one each year. That probably wouldn’t be a good idea, but it’s equally a sign that it’s worth reviewing the market to find the best possible fit.

You can afford to be selective with payment providers, even if the options can be overwhelming. We’ve selected eight alternatives to Checkout.com with the aim of highlighting options for different use cases, so there should be something for (almost) everyone in the list below.

Airwallex

Global financial infrastructure for growing businesses, Airwallex is powering businesses to trade like they’re local in 180+ countries. A broad range of payment methods makes collecting multi-currency funds easy via drop-in checkout, via API, plugins, and payment links.

Use case: Globally scaling businesses who want to drive growth with powerful processing technology. Bonus: Airwallex also offers multi-currency accounts and spend tools to manage corporate funds and supplier transfers.

Stripe

Stripe is a common payment processor, known for its developer-friendly API and wide integration support.

Use case: Businesses that need a flexible processor.

Adyen

Adyen is a Dutch payments platform built for enterprise businesses with annual transaction volumes exceeding £5M.

Use case: Enterprise payment processing with custom pricing.

PayPal

An incumbent in payments, PayPal is an established and trusted brand – especially in consumer payments.

Use case: Businesses that put store in reputation, preferring a widely known – if older – processor.

Square

Visit your local cafe, independent shop, or small business and you’ve a good chance of seeing a Square terminal.

Use case: Businesses that sell in-person, as well as online.

Worldpay

The clue is in the name with Worldpay: Like Airwallex, this processor has a global outlook.

Use case: Businesses that take payments from up to 174 countries.

Braintree

Braintree is PayPal’s enterprise-level payments product, acquired in 2013. It’s more customisable and flexible than PayPal’s standalone product.

Use case: Large businesses that like PayPal but want more customisability.

Mollie

Mollie is another darling of the European payments world, catering to both in-person and online payments as well as embedded payments for platforms and marketplaces.

Use case: European businesses who want a simple onboarding process.

Comparing Checkout.com alternatives side by side

That’s plenty of options to consider – and plenty of information to compare. We’ll keep things focused and highlight some of the most important comparison points in the table below.

As we mentioned, we’ve kept this comparison fairly broad. There’s too much detail we could go into and you’d end up reading a laundry list of features and numbers that only helps to overwhelm you.

Instead, use this information to narrow down your search for a vendor. From there, go on to do some more in-depth research for yourself. As for how you do that? Well, let’s go into that now.

How Airwallex compares to Checkout.com

You’re on the Airwallex blog, reading about alternatives to Checkout.com. Of course, we’ll take the opportunity to explain why Airwallex should be on your radar as a potential replacement.

With Airwallex, you get a lot more than a payment processor. On top of our highly competitive payment processing (check the fees column in the table above), you get access to:

• Global accounts to hold multiple currencies

• Spend management, including card issuing

• Expense management and bill pay

• Low-cost FX and international transfers, including bulk transfers

• Embedded finance, from accounts and cards to payments and programmatic FX

All geared towards businesses with a global outlook, whether it’s our low-margin, mid-market exchange rates or local payment rails in 200+ countries.

You get a better understanding of Airwallex’s capabilities on your terms – arrange a demo or take an interactive tour.

Disclaimer, references, and sources: We wrote this article in Q3 2025. The information was based on our own online research and we were not able to manually test each tool or provider. The information is provided for educational purposes only and a reader should consider the specific requirements of their business when evaluating providers. This research is reviewed every six months. If you would like to request an update, feel free to contact us at [email protected].

1. https://6sense.com/tech/payments-processing/checkoutcom-market-share

2 https://www.airwallex.com/blog/payment-processing-what-is-it-how-it-works

3 https://www.airwallex.com/uk/pricing

4 https://stripe.com/gb/payments

5 https://help.adyen.com/knowledge/payments/payment-statuses/what-is-settlement-delay

6 https://stripe.com/gb/pricing#payments

7 https://www.adyen.com/en_GB/accept-payments

8 https://docs.adyen.com/account/sales-day-payout/#payout-delay

9 https://www.adyen.com/en_GB/pricing

10 https://www.paypal.com/uk/webapps/mpp/country-worldwide

11 https://www.paypal.com/us/cshelp/article/how-can-i-release-my-payments-on-hold-help129

12 https://www.adyen.com/en_GB/pricing

13 https://squareup.com/help/gb/en/article/4956-international-availability

14 https://squareup.com/help/gb/en/article/3807-deposit-options-with-square#:~:text=Standard%20next%2Dday%20transfers,bank%20account%20within%2020%20minutes.

15 https://squareup.com/gb/en/pricing

16 https://corporate.worldpay.com/

17 http://support.worldpay.com/support/kb/gg/paypal/content/paymenttimetable.htm

18 https://go.worldpay.com/pricing

19 https://www.paypal.com/uk/braintree

20 https://developer.paypal.com/braintree/articles/au/transactions/settlement-funding-timeline

21 https://www.paypal.com/uk/enterprise/paypal-braintree-fees

22 https://help.mollie.com/hc/en-gb/articles/115002116105-Can-I-use-Mollie-s-services-in-my-country

23 https://help.mollie.com/hc/en-gb/articles/115002540294-How-long-does-it-take-to-process-a-payment

24 https://www.mollie.com/gb/pricing