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Checkout.com

Checkout.com

Global Performance

VS

Affirm

Installment Loans

Affirm
Fees from
2.3-2.9% + $0.30 (typical) vs ~6% + $0.30
Features

1 shared

3 unique to Checkout.com
Regions

2 shared

6 unique to Checkout.com
Pay methods

1 shared

34 unique to Checkout.com · 4 unique to Affirm

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Show full specs
4 features · 39 payment methods · 8 regions. We don't rank these — they're here for reference.
Checkout.com Checkout.com
Affirm Affirm
Quick Facts
Fees
Standard transaction rate
2.3-2.9% + $0.30 (typical)
~6% + $0.30
Settlement
Time to receive funds
1–3 business days
1–3 business days
Founded
2012
2012
Headquarters
London, United Kingdom
San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 1)
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Payment Methods
Checkout.com leads (35 vs 5)
Ach Unique
✓
—
Affirm Unique
—
✓
Alipay Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bnpl Unique
—
✓
Cartes Bancaires Unique
✓
—
Dana Unique
✓
—
Debit Card Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Eps Unique
✓
—
Gcash Unique
✓
—
Google Pay Unique
✓
—
Ideal Unique
✓
—
Installments Unique
—
✓
Jcb Unique
✓
—
Kakaopay Unique
✓
—
Klarna Unique
✓
—
Knet Unique
✓
—
Mada Unique
✓
—
Maestro Unique
✓
—
Mastercard Unique
✓
—
Mb Way Unique
✓
—
Mobile Wallet Unique
✓
—
Mobilepay Unique
✓
—
Multibanco Unique
✓
—
Paynow Unique
✓
—
Paypal Unique
✓
—
Przelewy24 Unique
✓
—
Sepa Direct Debit Unique
✓
—
Sofort Unique
✓
—
Swish Unique
✓
—
Twint Unique
✓
—
Venmo Unique
✓
—
Vipps Unique
✓
—
Visa Unique
✓
—
Wechat Pay Unique
✓
—
Regions
Checkout.com leads (8 vs 2)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—
Southeast Asia Unique
✓
—

Checkout.com is best when you...

Global Performance
Need Enterprise
Not available with Affirm
Need Instant Payout
Not available with Affirm
Want coverage in Africa, Asia, Latin America, Middle East, Oceania, Southeast Asia
Affirm doesn't cover these regions
View Checkout.com

Affirm is best when you...

Installment Loans
View Affirm

Frequently Asked Questions

What is the difference between Checkout.com and Affirm?
They share 1 payment method and 2 regions. Checkout.com adds ACH, Alipay, Amex and 31 more that Affirm does not list; Affirm adds Affirm, Buy Now Pay Later, Debit Card and 1 more that Checkout.com does not list; Checkout.com also covers Africa, Asia and 4 more; only Checkout.com offers Enterprise, Instant Payout and 1 more.
Which is cheaper, Checkout.com or Affirm?
Checkout.com has published rates from 2.3-2.9% + $0.30 (typical); Affirm has published rates from ~6% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Checkout.com and Affirm?
Checkout.com lists 8 regions and 35 payment methods; Affirm lists 2 and 5. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Checkout.com and Affirm compare on integration and settlement?
both offer a sandbox; both support webhooks; Checkout.com settles in 1–3 business days, Affirm in 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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