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Heartland Payment Systems

Heartland Payment Systems

SMB Payment Processing

VS

Checkout.com

Global Performance

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

0 shared

1 unique to Heartland Payment Systems · 4 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

3 shared

5 unique to Heartland Payment Systems · 32 unique to Checkout.com
On settlement

Heartland Payment Systems settles in Same day; Checkout.com settles in 1–3 business days. Verify directly with each provider before signing.

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Show full specs
5 features · 40 payment methods · 8 regions. We don't rank these — they're here for reference.
Heartland Payment Systems Heartland Payment Systems
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
Interchange-plus pricing
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
Same day
1–3 business days
Founded
2001
2012
Headquarters
Oklahoma City, Oklahoma
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 8)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Cartes Bancaires Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Dana Unique
—
✓
Debit Card Unique
✓
—
Diners Unique
—
✓
Discover Unique
—
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Gift Card 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
—
✓
Qr Code 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 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Heartland Payment Systems is best when you...

SMB Payment Processing
Need Low Fees
Not available with Checkout.com
View Heartland Payment Systems

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between Heartland Payment Systems and Checkout.com?
They share 3 payment methods and 1 region. Heartland Payment Systems adds Contactless, Credit Card, Debit Card and 2 more that Checkout.com does not list; Checkout.com adds Alipay, Amex, Bancontact and 29 more that Heartland Payment Systems does not list; Checkout.com also covers Africa, Asia and 5 more; only Heartland Payment Systems offers Low Fees.
Which is cheaper, Heartland Payment Systems or Checkout.com?
Heartland Payment Systems has published rates from Interchange-plus pricing; 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 Heartland Payment Systems and Checkout.com?
Heartland Payment 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 Heartland Payment Systems and Checkout.com compare on integration and settlement?
both offer a sandbox; both support webhooks; Heartland Payment Systems settles in Same day, Checkout.com in 1–3 business days.

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