Headnote

Headnote

Law Firm Payments

VS

Checkout.com

Global Performance

Checkout.com
Fees from
1.9% for eCheck (1-day settlement); 2.9% for credit card vs 2.3-2.9% + $0.30 (typical)
Features

0 shared

1 unique to Headnote · 4 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

4 shared

2 unique to Headnote · 31 unique to Checkout.com
On payment methods

Checkout.com supports 35 payment methods, 29 more than Headnote. 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.
Headnote Headnote
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
1.9% for eCheck (1-day settlement); 2.9% for credit card
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
Next business day
1–3 business days
Founded
2017
2012
Headquarters
Nashville, Tennessee
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Checkout.com leads (35 vs 6)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
✓
—
Dana Unique
—
✓
Diners Unique
—
✓
Discover
✓
✓
Echeck Unique
✓
—
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 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
—
✓

Headnote is best when you...

Law Firm Payments
Need Startup Friendly
Not available with Checkout.com
View Headnote

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between Headnote and Checkout.com?
They share 4 payment methods and 1 region. Headnote adds Credit Card, eCheck that Checkout.com does not list; Checkout.com adds Alipay, Amex, Apple Pay and 28 more that Headnote does not list; Checkout.com also covers Africa, Asia and 5 more; only Headnote offers Startup Friendly.
Which is cheaper, Headnote or Checkout.com?
Headnote has published rates from 1.9% for eCheck (1-day settlement); 2.9% for credit card; 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 Headnote and Checkout.com?
Headnote lists 1 region and 6 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 Headnote and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, Headnote does not list one; both support webhooks; Headnote settles in Next business day, Checkout.com 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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