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Payability

Payability

Amazon Seller Financing

VS

Checkout.com

Global Performance

Checkout.com
Fees from
2% of sales for instant access vs 2.3-2.9% + $0.30 (typical)
Features

1 shared

3 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

2 shared

33 unique to Checkout.com

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4 features · 35 payment methods · 8 regions. We don't rank these — they're here for reference.
Payability Payability
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
2% of sales for instant access
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
Next business day
1–3 business days
Founded
2015
2012
Headquarters
New York, New York
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Checkout.com leads (4 vs 1)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 2)
Ach
✓
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact 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 Unique
—
✓
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
—
✓

Payability is best when you...

Amazon Seller Financing
View Payability

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between Payability and Checkout.com?
They share 2 payment methods and 1 region. Checkout.com adds Alipay, Amex, Apple Pay and 30 more that Payability does not list; Checkout.com also covers Africa, Asia and 5 more; only Checkout.com offers Enterprise, Instant Sandbox and 1 more.
Which is cheaper, Payability or Checkout.com?
Payability has published rates from 2% of sales for instant access; 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 Payability and Checkout.com?
Payability lists 1 region and 2 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 Payability and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, Payability does not list one; Checkout.com supports webhooks; Payability 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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