Payment orchestration comparison

FloPay vs Checkout.com

Checkout.com is a global payment provider with its own acquiring, an AI engine that optimizes authorizations in real time, a standalone card vault, and pre-dispute resolution. FloPay is payment orchestration: when one provider declines a card payment, FloPay can cascade it to another. It also publishes its pricing and includes a customer self-service portal. Choose Checkout.com when one global acquirer covers your markets, or FloPay when a declined payment needs somewhere else to go.

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Capability match

See where each product fits

Every comparison covers the same capabilities, so you can weigh the trade-offs that affect your revenue. Official company sources are linked where available.

  • ValidatedConfirmed from the company website.
  • Not supportedUnsure or unable to validate from the company website.
CapabilityFloPayCheckout.comEvidence and notes
Independent Card VaultValidatedValidatedView official source

Vault is a standalone vault with PSP-agnostic tokens. Its Forward API sends stored credentials to the payment processors you choose, even without acquiring through Checkout.com.

Subscription Recovery / DunningValidatedValidatedView official source

Smart Dunning, in beta, uses machine learning to schedule automatic retries of soft-declined recurring and unscheduled merchant-initiated payments.

Chargeback PreventionValidatedValidatedView official source

Visa Rapid Dispute Resolution through Verifi, and Mastercard Ethoca alerts in beta, apply your custom rules to resolve disputes before they become chargebacks.

Multiple Card Providers / Cascading ProcessingValidatedNot supportedNo official source published.

Checkout.com retries declined payments on alternative card networks within its own processing. Cascading a declined payment to another provider is not documented for the Checkout.com platform. ProcessOut, the orchestration platform Checkout.com owns, runs as a standalone business under its own brand.

Smart Routing / Failover ProtectionValidatedValidatedView official source

Intelligent Acceptance routes transactions through available debit, local, or global networks based on predicted acceptance and your business goals, and retries a failed transaction on an alternative network.

Dynamic Payment SelectionValidatedValidatedView official source

Flow dynamically offers customers their preferred payment methods based on details such as location, currency, and device.

Local / Alternative Payment MethodsValidatedValidatedView official source

Checkout.com offers local payment methods, digital wallets, and global card schemes through one API.

SDK / API DocumentationValidatedValidatedView official source

Checkout.com publishes back-end SDKs for languages including Java, Node.js, and Python, plus mobile SDKs for Android and iOS.

No-Code IntegrationsValidatedValidatedView official source

Plug-and-play plugins connect Checkout.com to your ecommerce or subscription platform and let you switch payment methods on and off with no coding.

Hosted Payment PagesValidatedValidatedView official source

The Hosted Payments Page sends customers to a secure page hosted by Checkout.com to pay, so Checkout.com remains responsible for PCI compliance.

Clear & Transparent PricingValidatedNot supportedNo official source published.

Checkout.com lists flat-rate and interchange++ pricing structures with no setup or account maintenance fees, but tailors pricing to each business through its sales team instead of publishing a rate card.

Automated Sales Tax ReportingNot supportedNot supportedNo official source published.

Checkout.com accepts sales tax amounts in Level 2 and Level 3 payment data, but automated sales tax calculation or reporting is not documented.

Cart Abandonment / RecoveryNot supportedNot supportedNo official source published.

Remember Me speeds up repeat checkout, and Payment Links can be sent to shoppers who did not finish a purchase, but an automated workflow that detects and recovers abandoned carts is not documented.

AI Payment Monitoring and/or OptimizationNot supportedValidatedView official source

Intelligent Acceptance is an AI-powered optimization engine that formats payment messages, finds routing paths, and recovers declines in real time.

MID OnboardingNot supportedNot supportedNo official source published.

Checkout.com onboards merchants and platform sub-entities onto its own acquiring, with third-party acquiring in some emerging markets. Obtaining a merchant-owned MID with an acquirer you choose is not documented.

Company Formation SupportNot supportedNot supportedNo official source published.

Checkout.com documents merchant onboarding and local acquiring, but not a company formation service.

Multi-Currency / FX SupportValidatedValidatedView official source

Customers can pay in their local currency, and Checkout.com honors FX rates from capture to settlement.

Network TokenizationValidatedValidatedView official source

Checkout.com requests Visa and Mastercard network tokens on your behalf and sends them to the card network instead of the full card details.

Automatic Card UpdaterNot supportedValidatedView official source

Real-Time Account Updater automatically updates stored payment card details when they change.

PCI DSS Compliance LevelValidatedValidatedView official source

Checkout.com states that Checkout Technology Ltd, a company in its group, is certified as a PCI DSS Level 1 Service Provider.

3DS2 / Fraud Rules EngineNot supportedValidatedView official source

Fraud Detection lets merchants manage velocity limits and allow and block lists. On the Pro tier, risk profiles with custom thresholds accept, decline, or challenge a payment with 3DS.

Settlement / Payout SpeedNot supportedValidatedView official source

Checkout.com publishes settlement schedule options and standard funds availability speeds, which can differ by currency, region, and account configuration.

Customer Self-Service PortalValidatedNot supportedNo official source published.

Remember Me gives shoppers a Checkout.com account to manage saved cards and view past purchases, but a portal where your customers manage their billing and subscriptions with you is not documented.

Revenue Recognition & ReportingValidatedNot supportedNo official source published.

Checkout.com positions its transaction data, reporting, and automated reconciliation as support for revenue recognition, but recognition schedules and deferred revenue reporting are not documented.

Sandbox / Test EnvironmentValidatedValidatedView official source

Checkout.com provides a sandbox with separate API base URLs for test calls that do not affect live data.

What to consider

Differences that matter

Multiple Card Providers / Cascading Processing

One provider's decline does not have to end the sale. FloPay cascades a declined card payment through the other providers you configure, so the payment gets another chance before the sale is lost. Checkout.com retries declines on alternative card networks within its own processing, and any fallback to another provider is logic your team builds and runs, for example on its Forward API, which is in beta. If one acquirer's decline should not be the final answer, FloPay makes cross-provider recovery part of the product.

Clear & Transparent Pricing

Know what the platform will cost before the first sales call. FloPay publishes its plan pricing, so finance can model platform cost while you evaluate. Checkout.com offers flat-rate and interchange++ structures with no setup fees, but it tailors pricing to each business and quotes it through its sales team rather than publishing a rate card. If budget certainty matters early in the decision, FloPay gives you a number to plan around.

Customer Self-Service Portal

Give customers a direct route to routine payment tasks without adding support work. FloPay includes a customer self-service portal. Checkout.com's Remember Me gives shoppers a Checkout.com account to manage saved cards and view past purchases across participating merchants, but a portal where your customers manage their billing and subscriptions with you is not documented. If you choose Checkout.com, plan to build that account experience or add a billing platform alongside it.

AI Payment Monitoring and/or Optimization

This row goes to Checkout.com. Intelligent Acceptance is an AI-powered engine that formats payment messages, finds routing paths, and recovers declines in real time, so your team does not maintain its own retry logic or static routing rules. FloPay does not currently include AI payment monitoring or optimization. If lifting approvals on Checkout.com's own processing is the priority, weigh that strength against FloPay's cross-provider cascading, published pricing, and customer portal.

FAQ

Questions about FloPay and Checkout.com

What is the main difference between FloPay and Checkout.com?

Checkout.com is a global payment provider that acquires and processes payments itself, with AI acceptance optimization, a standalone vault, fraud tools, and pre-dispute resolution on one platform. FloPay is payment orchestration: it cascades declined card payments through the providers you configure, and adds published pricing, a customer self-service portal, and revenue recognition reporting. Choose Checkout.com when one global provider covers your markets, or FloPay when you want a declined payment to have somewhere else to go.

Can Checkout.com send a declined payment to another provider?

Checkout.com's platform retries declines on alternative card networks within its own processing. Falling back to another provider is logic your team builds and runs, for example with the Vault Forward API, which Checkout.com labels beta. Checkout.com also owns ProcessOut, an orchestration platform that runs as a standalone business under its own brand and has its own FloPay comparison. FloPay cascades a declined card payment through the providers you configure as part of the product.

Do FloPay and Checkout.com both offer a card vault?

Yes. Checkout.com Vault is a standalone vault with PSP-agnostic tokens and network tokens, available even if you do not acquire through Checkout.com. FloPay also includes an independent card vault. The bigger difference comes after a decline: FloPay's vault sits inside orchestration that cascades payments across providers, while cross-provider fallback on Checkout.com is logic you build.

Does Checkout.com publish its pricing?

Checkout.com describes flat-rate and interchange++ pricing structures with no setup, surprise, or account maintenance fees, but it tailors pricing to each business and quotes it through its sales team rather than publishing a rate card. FloPay publishes its plan pricing. Ask Checkout.com for a written quote that covers processing, acquiring, add-on products, and FX for your markets.

How do FloPay and Checkout.com recover failed subscription payments?

Both retry failed recurring payments. Checkout.com's Smart Dunning, currently in beta, uses machine learning to schedule retries of soft-declined recurring payments, and Real-Time Account Updater refreshes changed card details. FloPay pairs subscription recovery with cascading, so a renewal declined by one provider can be retried through another provider you configure.

Where does Checkout.com lead FloPay?

Checkout.com leads on AI payment optimization with Intelligent Acceptance, automatic card updates with Real-Time Account Updater, configurable fraud rules and 3DS challenges in Fraud Detection, and published settlement schedules. FloPay does not currently include those capabilities. Weigh them against FloPay's cross-provider cascading, published pricing, customer self-service portal, and revenue recognition reporting.

Do FloPay and Checkout.com include a customer portal and revenue recognition?

FloPay includes a customer self-service portal and revenue recognition reporting. Checkout.com's Remember Me lets shoppers manage saved cards across participating merchants, and its transaction data, reporting, and reconciliation tools support finance teams, but a merchant billing portal and revenue recognition schedules are not documented. Subscription businesses choosing Checkout.com should plan where those workflows will live.

What does Not supported mean in this table?

It covers two cases: the Checkout.com website rules a capability out, or we were unsure or unable to validate it from the company website. Every Not supported Checkout.com row on this page is the second case, so it carries no source. That does not mean the capability is unavailable. Validated Checkout.com rows link to an official source, and you can use the discrepancy link if an official page should change a row.

Keep more of the revenue you already earn

Own your card vault, route around processor failures, and recover more subscription payments. Talk to us about what FloPay would change for your business.

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