CardConnect vs Checkout.com
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Quote-based / contact sales | Quote-based (flat-rate or Interchange++) |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | Mid-market, Enterprise |
| Stated ERP integrations | SAP, Oracle Fusion Cloud | None listed |
| Vendor | CardConnect (a Fiserv company) | Checkout.com |
Our take
Where CardConnect leads
- Stronger evidenced coverage on 11 of the 30 capabilities where they differ (led by point-to-point encryption (p2pe) and native erp module / embedded processing).
- Stated SAP, Oracle Fusion Cloud integration the alternative doesn't list.
Where Checkout.com leads
- Stronger evidenced coverage on 19 of the 30 capabilities where they differ (led by digital wallet acceptance and local & alternative payment methods).
Where they differ
The 30 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 | ||
|---|---|---|
| Digital wallet acceptancePayment Acceptance & Channels | Not evidenced | Core strength Apple Pay, PayPal, Alipay and other wallets |
| Local & alternative payment methodsPayment Acceptance & Channels | Not evidenced | Core strength iDEAL, POLi, Przelewy24 and other local methods |
| Ecommerce storefront pluginsPayment Acceptance & Channels | Not evidenced | Core strength Plugins for Shopify, Magento, BigCommerce, WooCommerce and more |
| Multi-currency processingGlobal Reach & Money Movement | Not evidenced | Core strength 150+ processing currencies, 20 settlement currencies |
| Direct / domestic acquiringGlobal Reach & Money Movement | Not evidenced | Core strength Direct acquiring licenses in UK/EEA, US, APAC, MENAP; 57 domestic processing countries |
| Cross-border FX & treasuryGlobal Reach & Money Movement | Not evidenced | Core strength Treasury & FX management |
| Machine-learning fraud detectionFraud, Risk & Authentication | Not evidenced | Core strength Fraud Detection ML risk scoring; Intelligent Acceptance AI model |
| 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 |
| Marketplace / multi-party split paymentsEmbedded Finance & Platform Payments | Not evidenced | Core strength Split payments at authorization, capture or refund |
| Card issuingEmbedded Finance & Platform Payments | Not evidenced | Core strength Physical and virtual Visa/Mastercard programs with spend controls |
| Point-to-point encryption (P2PE)Tokenization & Security | Core strength PCI-validated point-to-point encryption | Not evidenced |
| Network tokenizationTokenization & Security | Not evidenced | Core strength Network Tokens for encrypted, updateable card credentials |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Not evidenced | Core strength Flow, Hosted Payment Page |
| Native ERP module / embedded processingERP & Accounting Integration | Core strength ERP middleware integrating authorization, reversals and settlement into ERP workflows | Not evidenced |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Core strength Automated reconciliation of card transactions back to the ERP | Not evidenced |
| Coverage across multiple major ERPsERP & Accounting Integration | Core strength SAP, Oracle and JD Edwards were the historical focus of CardConnect Enterprise Services | Not evidenced |
| ACH / bank transfer processingPayment Acceptance & Channels | Supported ACH/eCheck processing | Not evidenced |
| Virtual terminalPayment Acceptance & Channels | Supported CardPointe Virtual Terminal | Not evidenced |
| Payment links & hosted pagesPayment Acceptance & Channels | Not evidenced | Supported Payment Links for multi-channel/no-code acceptance |
| In-person POS hardwarePayment Acceptance & Channels | Supported Clover POS hardware, CardPointe Terminal | Not evidenced |
| Global payoutsGlobal Reach & Money Movement | Not evidenced | Supported Payouts to bank accounts and cards, including instant/24-7 |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Not evidenced | Supported Custom velocity rules engine |
| Recurring / subscription billingBilling & Receivables | Supported Recurring billing | Not evidenced |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Not evidenced | Supported Sub-merchant onboarding with automated KYC/KYB, configurable commissions |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Supported 3-D Secure support | Core strength 3DS authentication with liability shift |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Core strength CardPointe Integrated Payments: APIs/SDKs for embedding payments into third-party software | Supported Unified Payments API, Flow checkout blocks |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Partial PCI compliance managed via a third-party integration (Trustwave), not stated as own Level 1 cert | Not evidenced |
| Automated payment reconciliationReporting & Reconciliation | Core strength Automated reconciliation of card transactions back to the ERP | Supported Automated settlement reconciliation; centralized reconciliation across platform participants |
| REST API & SDKsDeveloper Platform & Checkout Tools | Supported Developer-friendly REST APIs and SDKs | Core strength Unified Payments API |
Both grade identically on the other 20 capabilities — see each product's full profile: CardConnect, Checkout.com.
CardConnect vs Checkout.com — FAQs
Is CardConnect or Checkout.com better for ERP integration?
They state different ERP coverage: CardConnect lists SAP, Oracle Fusion Cloud; Checkout.com lists no ERP integrations publicly.
Which is cheaper, CardConnect 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 CardConnect and Checkout.com should each cost you — and whether a third option belongs on your shortlist.