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Shift4

Shift4

Hospitality & Retail

VS

Checkout.com

Global Performance

Checkout.com
Fees from
0.05% + $0.03 above interchange vs 2.3-2.9% + $0.30 (typical)
Features

1 shared

1 unique to Shift4 · 3 unique to Checkout.com
Regions

2 shared

6 unique to Checkout.com
Pay methods

8 shared

1 unique to Shift4 · 27 unique to Checkout.com
On licensing

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Show full specs
5 features · 36 payment methods · 8 regions. We don't rank these — they're here for reference.
Shift4 Shift4
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
0.05% + $0.03 above interchange
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
1–2 business days
1–3 business days
Founded
1999
2012
Headquarters
Allentown, Pennsylvania
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Checkout.com leads (35 vs 9)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Cartes Bancaires Unique
—
✓
Dana Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Gift Card Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb
✓
✓
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 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Shift4 is best when you...

Hospitality & Retail
Need Startup Friendly
Not available with Checkout.com
View Shift4

Checkout.com is best when you...

Global Performance
Need Enterprise
Not available with Shift4
Need Instant Sandbox
Not available with Shift4
Want coverage in Africa, Asia, Latin America, Middle East, Oceania, Southeast Asia
Shift4 doesn't cover these regions
View Checkout.com

Frequently Asked Questions

What is the difference between Shift4 and Checkout.com?
They share 8 payment methods and 2 regions. Shift4 adds Gift Card that Checkout.com does not list; Checkout.com adds ACH, Alipay, Bancontact and 24 more that Shift4 does not list; Checkout.com also covers Africa, Asia and 4 more; only Shift4 offers Startup Friendly.
Which is cheaper, Shift4 or Checkout.com?
Shift4 has published rates from 0.05% + $0.03 above interchange; 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 Shift4 and Checkout.com?
Shift4 lists 2 regions and 9 payment methods; Checkout.com lists 8 and 35. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Shift4 and Checkout.com compare on integration and settlement?
both offer a sandbox; both support webhooks; Shift4 settles in 1–2 business days, Checkout.com in 1–3 business days.

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