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OPAY

OPAY

Price-conscious Baltic e-commerce businesses

VS

Checkout.com

Global Performance

Checkout.com
Fees from
0.4-1.2% for bank transfers; 2.1% for cards vs 2.3-2.9% + $0.30 (typical)
Features

0 shared

4 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

2 shared

1 unique to OPAY · 33 unique to Checkout.com

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Show full specs
4 features · 36 payment methods · 8 regions. We don't rank these — they're here for reference.
OPAY OPAY
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
0.4-1.2% for bank transfers; 2.1% for cards
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
—
1–3 business days
Founded
2012
2012
Headquarters
Vilnius, Lithuania
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer Unique
✓
—
Cartes Bancaires Unique
—
✓
Dana Unique
—
✓
Diners Unique
—
✓
Discover 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
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

OPAY is best when you...

Price-conscious Baltic e-commerce businesses
View OPAY

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between OPAY and Checkout.com?
They share 2 payment methods and 1 region. OPAY adds Bank Transfer that Checkout.com does not list; Checkout.com adds ACH, Alipay, Amex and 30 more that OPAY does not list; Checkout.com also covers Africa, Asia and 5 more; only Checkout.com offers Enterprise, Instant Payout and 2 more.
Which is cheaper, OPAY or Checkout.com?
OPAY has published rates from 0.4-1.2% for bank transfers; 2.1% for cards; 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 OPAY and Checkout.com?
OPAY lists 1 region and 3 payment methods; Checkout.com lists 8 and 35. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do OPAY and Checkout.com compare on integration and settlement?
both offer a sandbox; both support webhooks; Checkout.com publishes a settlement time of 1–3 business days.

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