Checkout.com vs EBizCharge
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Quote-based (flat-rate or Interchange++) | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | None listed | QuickBooks, NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, Acumatica, Oracle Fusion Cloud |
| Vendor | Checkout.com | Century Business Solutions |
Our take
Where Checkout.com leads
- Stronger evidenced coverage on 23 of the 40 capabilities where they differ (led by digital wallet acceptance and local & alternative payment methods).
Where EBizCharge leads
- Stronger evidenced coverage on 17 of the 40 capabilities where they differ (led by ach / bank transfer processing and virtual terminal).
- Stated QuickBooks, NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, Acumatica, Oracle Fusion Cloud integration the alternative doesn't list.
Where they differ
The 40 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 | ||
|---|---|---|
| ACH / bank transfer processingPayment Acceptance & Channels | Not evidenced | Core strength ACH and eCheck processing |
| Digital wallet acceptancePayment Acceptance & Channels | Core strength Apple Pay, PayPal, Alipay and other wallets | Not evidenced |
| Local & alternative payment methodsPayment Acceptance & Channels | Core strength iDEAL, POLi, Przelewy24 and other local methods | Not evidenced |
| Virtual terminalPayment Acceptance & Channels | Not evidenced | Core strength Virtual Terminal for card-not-present transactions |
| Multi-currency processingGlobal Reach & Money Movement | Core strength 150+ processing currencies, 20 settlement currencies | Not evidenced |
| Direct / domestic acquiringGlobal Reach & Money Movement | Core strength Direct acquiring licenses in UK/EEA, US, APAC, MENAP; 57 domestic processing countries | Not evidenced |
| Cross-border FX & treasuryGlobal Reach & Money Movement | Core strength Treasury & FX management | Not evidenced |
| Machine-learning fraud detectionFraud, Risk & Authentication | Core strength Fraud Detection ML risk scoring; Intelligent Acceptance AI model | Not evidenced |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Core strength 3DS authentication with liability shift | Not evidenced |
| Chargeback & dispute managementFraud, Risk & Authentication | Core strength Dispute management with Visa Rapid Dispute Resolution | Not evidenced |
| Identity verification & sanctions screeningFraud, Risk & Authentication | Core strength AI-powered identity verification, sanctions/PEP/adverse-media screening | Not evidenced |
| Recurring / subscription billingBilling & Receivables | Not evidenced | Core strength Recurring Billing for subscription and scheduled charges |
| Electronic invoicing with embedded paymentBilling & Receivables | Not evidenced | Core strength Email Pay, Customer Payment Portal |
| Customer self-service billing portalBilling & Receivables | Not evidenced | Core strength Customer self-service Payment Portal |
| Compliant credit-card surchargingBilling & Receivables | Not evidenced | Core strength Compliant surcharging, merchants keep up to 3% of card sales |
| Marketplace / multi-party split paymentsEmbedded Finance & Platform Payments | Core strength Split payments at authorization, capture or refund | Not evidenced |
| Card issuingEmbedded Finance & Platform Payments | Core strength Physical and virtual Visa/Mastercard programs with spend controls | Not evidenced |
| Network tokenizationTokenization & Security | Core strength Network Tokens for encrypted, updateable card credentials | Not evidenced |
| Custom report builderReporting & Reconciliation | Not evidenced | Core strength Custom reports built from 50+ search criteria |
| REST API & SDKsDeveloper Platform & Checkout Tools | Core strength Unified Payments API | Not evidenced |
| Native ERP module / embedded processingERP & Accounting Integration | Not evidenced | Core strength Module-based installs the vendor describes as needing no third-party middleware |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Not evidenced | Core strength Bi-directional sync of payments and invoice status to the host system |
| Coverage across multiple major ERPsERP & Accounting Integration | Not evidenced | Core strength NetSuite, SAP, Dynamics 365 BC/Finance, Sage Intacct, Acumatica, Oracle, QuickBooks |
| In-person POS hardwarePayment Acceptance & Channels | Not evidenced | Supported EMV card-reader devices |
| Global payoutsGlobal Reach & Money Movement | Supported Payouts to bank accounts and cards, including instant/24-7 | Not evidenced |
| Settlement & funding reportingGlobal Reach & Money Movement | Supported Automated settlement reconciliation reporting | Not evidenced |
| Automatic account / card updaterFraud, Risk & Authentication | Supported Real-Time Account Updater | Not evidenced |
| Automated dunning & retryBilling & Receivables | Not evidenced | Supported Automated payment reminders; Auto Pay automatic statement charging |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Supported Sub-merchant onboarding with automated KYC/KYB, configurable commissions | Not evidenced |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Supported Unified Payments API, Flow checkout blocks | Not evidenced |
| Unified transaction dashboardReporting & Reconciliation | Supported Dashboard for unified transaction monitoring and reporting | Not evidenced |
| Data export & BI connectivityReporting & Reconciliation | Not evidenced | Supported CSV data export |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Supported Native Android and iOS mobile SDKs | Not evidenced |
| Listed on an official ERP marketplaceERP & Accounting Integration | Not evidenced | Supported Listed on the QuickBooks Online App Store (quickbooks.intuit.com/app/apps/appdetails/ebizcharge) |
| Payment links & hosted pagesPayment Acceptance & Channels | Supported Payment Links for multi-channel/no-code acceptance | Core strength Email Pay: payment links against open invoices |
| Ecommerce storefront pluginsPayment Acceptance & Channels | Core strength Plugins for Shopify, Magento, BigCommerce, WooCommerce and more | Supported eCommerce shopping-cart payment integration |
| Tokenized card vaultTokenization & Security | Core strength Vault for secure card tokenization and data storage | Supported Tokenization of stored payment data, off-site storage |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Not evidenced | Partial PCI-certified integrator/reseller status, not stated as Level 1 service-provider cert |
| Automated payment reconciliationReporting & Reconciliation | Supported Automated settlement reconciliation; centralized reconciliation across platform participants | Core strength Bi-directional sync of payments and invoice status to host ERP; embedded directly in ERP |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Core strength Flow, Hosted Payment Page | Supported Hosted checkout pages |
Both grade identically on the other 10 capabilities — see each product's full profile: Checkout.com, EBizCharge.
Checkout.com vs EBizCharge — FAQs
Is Checkout.com or EBizCharge better for ERP integration?
They state different ERP coverage: Checkout.com lists no ERP integrations publicly; EBizCharge lists QuickBooks, NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, Acumatica, Oracle Fusion Cloud.
Which is cheaper, Checkout.com or EBizCharge?
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 Checkout.com and EBizCharge should each cost you — and whether a third option belongs on your shortlist.