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Checkout.com

Checkout.com

Global Performance

VS

American Express

Premium Card Network & Acquiring

American Express
Fees from
2.3-2.9% + $0.30 (typical) vs 2.5-3.5% merchant
Features

2 shared

2 unique to Checkout.com
Regions

6 shared

2 unique to Checkout.com
Pay methods

3 shared

32 unique to Checkout.com

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4 features · 35 payment methods · 8 regions. We don't rank these — they're here for reference.
Checkout.com Checkout.com
American Express American Express
Quick Facts
Fees
Standard transaction rate
2.3-2.9% + $0.30 (typical)
2.5-3.5% merchant
Settlement
Time to receive funds
1–3 business days
3–7 business days
Founded
2012
1850
Headquarters
London, United Kingdom
New York, USA
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 2)
Enterprise
✓
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments
✓
✓
Payment Methods
Checkout.com leads (35 vs 3)
Ach Unique
✓
—
Alipay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Cartes Bancaires Unique
✓
—
Dana Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Eps Unique
✓
—
Gcash Unique
✓
—
Google Pay
✓
✓
Ideal 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 6)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
✓
—

Checkout.com is best when you...

Global Performance
Need Instant Payout
Not available with American Express
Need Instant Sandbox
Not available with American Express
Want coverage in Africa, Southeast Asia
American Express doesn't cover these regions
View Checkout.com

American Express is best when you...

Premium Card Network & Acquiring
View American Express

Frequently Asked Questions

What is the difference between Checkout.com and American Express?
They share 3 payment methods and 6 regions. Checkout.com adds ACH, Alipay, Bancontact and 29 more that American Express does not list; Checkout.com also covers Africa, Southeast Asia; only Checkout.com offers Instant Payout, Instant Sandbox.
Which is cheaper, Checkout.com or American Express?
Checkout.com has published rates from 2.3-2.9% + $0.30 (typical); American Express has published rates from 2.5-3.5% merchant. 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 American Express?
Checkout.com lists 8 regions and 35 payment methods; American Express lists 6 and 3. both cover Asia, Europe, Latin America and 3 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Checkout.com and American Express compare on integration and settlement?
Checkout.com offers a sandbox, American Express does not list one; both support webhooks; Checkout.com settles in 1–3 business days, American Express in 3–7 business days.

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