Checkout.com vs Elavon
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++) | Interchange-plus merchant processing |
| Deployment | Cloud | Cloud |
| Company size | Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | None listed | Infor |
| Vendor | Checkout.com | Elavon, Inc. |
Our take
Where Checkout.com leads
- Stronger evidenced coverage on 20 of the 32 capabilities where they differ (led by local & alternative payment methods and ecommerce storefront plugins).
Where Elavon leads
- Stronger evidenced coverage on 12 of the 32 capabilities where they differ (led by virtual terminal and ach / bank transfer processing).
- Stated Infor integration the alternative doesn't list.
Where they differ
The 32 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 | ||
|---|---|---|
| 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 |
| Ecommerce storefront pluginsPayment Acceptance & Channels | Core strength Plugins for Shopify, Magento, BigCommerce, WooCommerce and more | 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 |
| Identity verification & sanctions screeningFraud, Risk & Authentication | Core strength AI-powered identity verification, sanctions/PEP/adverse-media screening | Not evidenced |
| 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 |
| Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools | Core strength Flow, Hosted Payment Page | Not evidenced |
| ACH / bank transfer processingPayment Acceptance & Channels | Not evidenced | Supported ACH and ECS electronic/paper check acceptance |
| In-person POS hardwarePayment Acceptance & Channels | Not evidenced | Supported In-person, contactless card acceptance across Converge/Fusebox/CenPOS gateways |
| Global payoutsGlobal Reach & Money Movement | Supported Payouts to bank accounts and cards, including instant/24-7 | Not evidenced |
| Recurring / subscription billingBilling & Receivables | Not evidenced | Supported Card-on-file for recurring/repeat transactions |
| Electronic invoicing with embedded paymentBilling & Receivables | Not evidenced | Supported Electronic invoicing and quotes with online payment |
| Compliant credit-card surchargingBilling & Receivables | Not evidenced | Supported Credit card surcharging |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Supported Sub-merchant onboarding with automated KYC/KYB, configurable commissions | Not evidenced |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Not evidenced | Supported Merchant funding, including a faster-funding option |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Supported Unified Payments API, Flow checkout blocks | Not evidenced |
| Automated payment reconciliationReporting & Reconciliation | Supported Automated settlement reconciliation; centralized reconciliation across platform participants | Not evidenced |
| Data export & BI connectivityReporting & Reconciliation | Not evidenced | Supported Payments Core 365 comprehensive data file for in-house reporting |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Supported Native Android and iOS mobile SDKs | Not evidenced |
| Native ERP module / embedded processingERP & Accounting Integration | Not evidenced | Supported CenPOS gateway markets itself as integrating with DMS/ERP systems; documented integration with Infor Distribution FACTS/SX.e |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Not evidenced | Supported Infor Distribution FACTS electronic-payments integration guide documents payment posting |
| Digital wallet acceptancePayment Acceptance & Channels | Core strength Apple Pay, PayPal, Alipay and other wallets | Supported Contactless and mobile-wallet acceptance |
| IVR / phone payment acceptancePayment Acceptance & Channels | Not evidenced | Partial Mail order / telephone order (MO/TO) acceptance, not an explicit automated IVR product |
| Multi-currency processingGlobal Reach & Money Movement | Core strength 150+ processing currencies, 20 settlement currencies | Supported Global currency conversion |
| Chargeback & dispute managementFraud, Risk & Authentication | Core strength Dispute management with Visa Rapid Dispute Resolution | Supported Chargeback management portal with tracking |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Not evidenced | Partial PCI DSS compliance validation support offered; not stated as own Level 1 cert |
| REST API & SDKsDeveloper Platform & Checkout Tools | Core strength Unified Payments API | Supported Developer Portal (developer.elavon.com) |
Both grade identically on the other 18 capabilities — see each product's full profile: Checkout.com, Elavon.
Checkout.com vs Elavon — FAQs
Is Checkout.com or Elavon better for ERP integration?
They state different ERP coverage: Checkout.com lists no ERP integrations publicly; Elavon lists Infor.
Which is cheaper, Checkout.com or Elavon?
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 Elavon should each cost you — and whether a third option belongs on your shortlist.