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Electronic Merchant Systems

Electronic Merchant Systems

US SMB omnichannel merchant services

VS

Checkout.com

Global Performance

Checkout.com
Fees from
Custom vs 2.3-2.9% + $0.30 (typical)
Features

1 shared

1 unique to Electronic Merchant Systems · 3 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

6 shared

2 unique to Electronic Merchant Systems · 29 unique to Checkout.com
On region

Checkout.com covers 8 regions; Electronic Merchant Systems covers 1. Verify directly with each provider before signing.

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Show full specs
5 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
Electronic Merchant Systems Electronic Merchant Systems
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
Custom
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
1–3 business days
1–3 business days
Founded
1988
2012
Headquarters
Cleveland, Ohio
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Checkout.com leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Checkout.com leads (35 vs 8)
Ach
✓
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
✓
—
Dana Unique
—
✓
Debit Card Unique
✓
—
Diners Unique
—
✓
Discover
✓
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb Unique
—
✓
Kakaopay Unique
—
✓
Klarna Unique
—
✓
Knet Unique
—
✓
Mada Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Mobile Wallet
✓
✓
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
✓
✓
Wechat Pay Unique
—
✓
Regions
Checkout.com leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Electronic Merchant Systems is best when you...

US SMB omnichannel merchant services
Need Startup Friendly
Not available with Checkout.com
View Electronic Merchant Systems

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between Electronic Merchant Systems and Checkout.com?
They share 6 payment methods and 1 region. Electronic Merchant Systems adds Credit Card, Debit Card that Checkout.com does not list; Checkout.com adds Alipay, Apple Pay, Bancontact and 26 more that Electronic Merchant Systems does not list; Checkout.com also covers Africa, Asia and 5 more; only Electronic Merchant Systems offers Startup Friendly.
Which is cheaper, Electronic Merchant Systems or Checkout.com?
Electronic Merchant Systems has custom pricing quoted on engagement; Checkout.com has published rates from 2.3-2.9% + $0.30 (typical). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Electronic Merchant Systems and Checkout.com?
Electronic Merchant Systems lists 1 region and 8 payment methods; Checkout.com lists 8 and 35. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Electronic Merchant Systems and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, Electronic Merchant Systems does not list one; Checkout.com supports webhooks; Electronic Merchant Systems settles in 1–3 business days, Checkout.com in 1–3 business days.

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