Adyen vs Checkout.com
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Per-transaction (interchange++ / blended) | Quote-based (flat-rate or Interchange++) |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Microsoft Dynamics 365 | None listed |
| Vendor | Adyen N.V. | Checkout.com |
Our take
Where Adyen leads
- Stronger evidenced coverage on 8 of the 20 capabilities where they differ (led by in-person pos hardware and ach / bank transfer processing).
- Stated NetSuite, Microsoft Dynamics 365 integration the alternative doesn't list.
Where Checkout.com leads
- Stronger evidenced coverage on 12 of the 20 capabilities where they differ (led by ecommerce storefront plugins and cross-border fx & treasury).
Where they differ
The 20 capabilities (of 50 in the payment processing taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| In-person POS hardwarePayment Acceptance & Channels | Core strength mPOS terminals, cloud and local POS terminal APIs | Not evidenced |
| Ecommerce storefront pluginsPayment Acceptance & Channels | Not evidenced | Core strength Plugins for Shopify, Magento, BigCommerce, WooCommerce and more |
| Cross-border FX & treasuryGlobal Reach & Money Movement | Not evidenced | Core strength Treasury & FX management |
| Chargeback & dispute managementFraud, Risk & Authentication | Not evidenced | Core strength Dispute management with Visa Rapid Dispute Resolution |
| Identity verification & sanctions screeningFraud, Risk & Authentication | Not evidenced | Core strength AI-powered identity verification, sanctions/PEP/adverse-media screening |
| Tokenized card vaultTokenization & Security | Not evidenced | Core strength Vault for secure card tokenization and data storage |
| ACH / bank transfer processingPayment Acceptance & Channels | Supported SEPA Direct Debit among 200+ local methods | Not evidenced |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Not evidenced | Supported Custom velocity rules engine |
| AVS / CVV verificationFraud, Risk & Authentication | Supported AVS fraud checks | Not evidenced |
| Automatic account / card updaterFraud, Risk & Authentication | Not evidenced | Supported Real-Time Account Updater |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Supported Embedded accounts and capital products | Not evidenced |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Not evidenced | Supported Native Android and iOS mobile SDKs |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Supported Automated deposit creation matched into NetSuite deposits | Not evidenced |
| Listed on an official ERP marketplaceERP & Accounting Integration | Supported Adyen-built listings on SuiteApp.com and Microsoft AppSource, both 'Built for' certified | Not evidenced |
| Coverage across multiple major ERPsERP & Accounting Integration | Supported NetSuite (SuiteApp) and Dynamics 365 (AppSource) certified connectors | Not evidenced |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Supported Dynamic 3D Secure 2 | Core strength 3DS authentication with liability shift |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Core strength Single API to embed payments, accounts, card issuing and capital | Supported Unified Payments API, Flow checkout blocks |
| Network tokenizationTokenization & Security | Supported Visa Network Tokens | Core strength Network Tokens for encrypted, updateable card credentials |
| REST API & SDKsDeveloper Platform & Checkout Tools | Supported Single API across payments, accounts, issuing, capital | Core strength Unified Payments API |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Supported Card Component / Drop-in | Core strength Flow, Hosted Payment Page |
Both grade identically on the other 30 capabilities — see each product's full profile: Adyen, Checkout.com.
Adyen vs Checkout.com — FAQs
Is Adyen or Checkout.com better for ERP integration?
They state different ERP coverage: Adyen lists NetSuite, Microsoft Dynamics 365; Checkout.com lists no ERP integrations publicly.
Which is cheaper, Adyen or Checkout.com?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Adyen and Checkout.com should each cost you — and whether a third option belongs on your shortlist.