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TerraPay

TerraPay

Global Real-Time Settlements

VS

Checkout.com

Global Performance

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

2 shared

2 unique to Checkout.com
Regions

4 shared

4 unique to Checkout.com
Pay methods

0 shared

2 unique to TerraPay · 35 unique to Checkout.com
On licensing

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Show full specs
4 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
TerraPay TerraPay
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
Per-transaction
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
—
1–3 business days
Founded
2014
2012
Headquarters
Amsterdam, Netherlands
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 2)
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 Unique
—
✓
Mb Way Unique
—
✓
Mobile Money 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 Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Checkout.com leads (8 vs 4)
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

TerraPay is best when you...

Global Real-Time Settlements
View TerraPay

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between TerraPay and Checkout.com?
They share 0 payment methods and 4 regions. TerraPay adds Bank Transfer, Mobile Money that Checkout.com does not list; Checkout.com adds ACH, Alipay, Amex and 32 more that TerraPay does not list; Checkout.com also covers Latin America, Middle East and 2 more; only Checkout.com offers Instant Sandbox, Recurring Payments.
Which is cheaper, TerraPay or Checkout.com?
TerraPay has published rates from Per-transaction; 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 TerraPay and Checkout.com?
TerraPay lists 4 regions and 2 payment methods; Checkout.com lists 8 and 35. both cover Africa, Asia, Europe and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TerraPay 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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