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Windcave

Windcave

NZ merchants

VS

Checkout.com

Global Performance

Checkout.com
Fees from
1.75-2.5% vs 2.3-2.9% + $0.30 (typical)
Features

1 shared

3 unique to Checkout.com
Regions

2 shared

6 unique to Checkout.com
Pay methods

6 shared

3 unique to Windcave · 29 unique to Checkout.com
On licensing

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Show full specs
4 features · 38 payment methods · 8 regions. We don't rank these — they're here for reference.
Windcave Windcave
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
1.75-2.5%
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
2–3 business days
1–3 business days
Founded
1993
2012
Headquarters
Auckland, New Zealand
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 9)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Cartes Bancaires Unique
—
✓
Contactless Unique
✓
—
Dana Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb
✓
✓
Kakaopay Unique
—
✓
Klarna Unique
—
✓
Knet Unique
—
✓
Mada Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Mobile Payment Unique
✓
—
Mobile Wallet Unique
—
✓
Mobilepay Unique
—
✓
Multibanco Unique
—
✓
Paynow Unique
—
✓
Paypal Unique
—
✓
Przelewy24 Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Twint Unique
—
✓
Unionpay Unique
✓
—
Venmo Unique
—
✓
Vipps Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Checkout.com leads (8 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania
✓
✓
Southeast Asia Unique
—
✓

Windcave is best when you...

NZ merchants
View Windcave

Checkout.com is best when you...

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

Frequently Asked Questions

What is the difference between Windcave and Checkout.com?
They share 6 payment methods and 2 regions. Windcave adds Contactless, Mobile Payment, UnionPay that Checkout.com does not list; Checkout.com adds ACH, Alipay, Apple Pay and 26 more that Windcave does not list; Checkout.com also covers Africa, Europe and 4 more; only Checkout.com offers Instant Payout, Instant Sandbox and 1 more.
Which is cheaper, Windcave or Checkout.com?
Windcave has published rates from 1.75-2.5%; 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 Windcave and Checkout.com?
Windcave lists 2 regions and 9 payment methods; Checkout.com lists 8 and 35. both cover Asia, Oceania. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Windcave and Checkout.com compare on integration and settlement?
both offer a sandbox; both support webhooks; Windcave settles in 2–3 business days, Checkout.com in 1–3 business days.

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