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FreshBooks Payments

FreshBooks Payments

Freelancer Invoice Payments

VS

Checkout.com

Global Performance

Checkout.com
Fees from
2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL vs 2.3-2.9% + $0.30 (typical)
Features

1 shared

1 unique to FreshBooks Payments · 3 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

5 shared

5 unique to FreshBooks Payments · 30 unique to Checkout.com
On licensing

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Show full specs
5 features · 40 payment methods · 8 regions. We don't rank these — they're here for reference.
FreshBooks Payments FreshBooks Payments
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
—
1–3 business days
Founded
2003
2012
Headquarters
Toronto, Canada
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 10)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer Unique
✓
—
Cartes Bancaires Unique
—
✓
Credit Card Unique
✓
—
Dana 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 Unique
—
✓
Mobilepay Unique
—
✓
Multibanco Unique
—
✓
Paynow Unique
—
✓
Paypal Unique
—
✓
Przelewy24 Unique
—
✓
Sepa 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
—
✓

FreshBooks Payments is best when you...

Freelancer Invoice Payments
Need Startup Friendly
Not available with Checkout.com
View FreshBooks Payments

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between FreshBooks Payments and Checkout.com?
They share 5 payment methods and 1 region. FreshBooks Payments adds Affirm, Afterpay, Bank Transfer and 2 more that Checkout.com does not list; Checkout.com adds Alipay, Apple Pay, Bancontact and 27 more that FreshBooks Payments does not list; Checkout.com also covers Africa, Asia and 5 more; only FreshBooks Payments offers Startup Friendly.
Which is cheaper, FreshBooks Payments or Checkout.com?
FreshBooks Payments has published rates from 2.9% + $0.30 card; 3.5% + $0.30 Amex; 1% ACH; 6% + $0.30 BNPL; 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 FreshBooks Payments and Checkout.com?
FreshBooks Payments lists 1 region and 10 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 FreshBooks Payments and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, FreshBooks Payments does not list one; both support webhooks; Checkout.com publishes a settlement time of 1–3 business days.

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