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PayPal

PayPal

Global e-commerce

VS

Checkout.com

Global Performance

Checkout.com
Fees from
2.9% + $0.30 + split fees vs 2.3-2.9% + $0.30 (typical)
Features

3 shared

2 unique to PayPal · 1 unique to Checkout.com
Regions

7 shared

1 unique to Checkout.com
Pay methods

13 shared

6 unique to PayPal · 22 unique to Checkout.com

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Show full specs
6 features · 41 payment methods · 8 regions. We don't rank these — they're here for reference.
PayPal PayPal
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30 + split fees
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
3–5 business days
1–3 business days
Founded
1998
2012
Headquarters
San Jose, California
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
PayPal leads (5 vs 4)
Crypto Support Unique
✓
—
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 19)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact
✓
✓
Bank Transfer Unique
✓
—
Blik Unique
✓
—
Bnpl Unique
✓
—
Cartes Bancaires Unique
—
✓
Crypto Unique
✓
—
Dana Unique
—
✓
Diners Unique
—
✓
Discover
✓
✓
Eps
✓
✓
Gcash Unique
—
✓
Giropay Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
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
✓
✓
Przelewy24
✓
✓
Sepa Direct Debit Unique
—
✓
Sofort
✓
✓
Swish Unique
—
✓
Trustly Unique
✓
—
Twint Unique
—
✓
Venmo
✓
✓
Vipps Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Checkout.com leads (8 vs 7)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

PayPal is best when you...

Global e-commerce
Need Crypto Support
Not available with Checkout.com
Need Low Fees
Not available with Checkout.com
View PayPal

Checkout.com is best when you...

Global Performance
Need Recurring Payments
Not available with PayPal
Want coverage in Southeast Asia
PayPal doesn't cover this region
View Checkout.com

Frequently Asked Questions

What is the difference between PayPal and Checkout.com?
They share 13 payment methods and 7 regions. PayPal adds Bank Transfer, BLIK, Buy Now Pay Later and 3 more that Checkout.com does not list; Checkout.com adds ACH, Alipay, Cartes Bancaires and 19 more that PayPal does not list; Checkout.com also covers Southeast Asia; only PayPal offers Crypto Support, Low Fees.
Which is cheaper, PayPal or Checkout.com?
PayPal has published rates from 2.9% + $0.30 + split fees; 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 PayPal and Checkout.com?
PayPal lists 7 regions and 19 payment methods; Checkout.com lists 8 and 35. both cover Africa, Asia, Europe and 4 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayPal and Checkout.com compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPal settles in 3–5 business days, Checkout.com in 1–3 business days.

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