Checkout.com vs Worldpay

payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.

	Checkout.com	Worldpay
Starting price	Quote-based (flat-rate or Interchange++)	Interchange-plus, with monthly and contract fees
Deployment	Cloud	Cloud
Company size	Mid-market, Enterprise	SMB, Mid-market, Enterprise
Stated ERP integrations	None listed	SAP
Vendor	Checkout.com	Worldpay

Our take

Where Checkout.com leads

Stronger evidenced coverage on 10 of the 18 capabilities where they differ (led by cross-border fx & treasury and card issuing).

Where Worldpay leads

Stronger evidenced coverage on 8 of the 18 capabilities where they differ (led by ach / bank transfer processing and in-person pos hardware).
Stated SAP integration the alternative doesn't list.

Where they differ

The 18 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	Checkout.com	Worldpay
Cross-border FX & treasuryGlobal Reach & Money Movement	Core strength Treasury & FX management	Not evidenced
Card issuingEmbedded Finance & Platform Payments	Core strength Physical and virtual Visa/Mastercard programs with spend controls	Not evidenced
ACH / bank transfer processingPayment Acceptance & Channels	Not evidenced	Supported Real-time bank transfers in 70+ countries
In-person POS hardwarePayment Acceptance & Channels	Not evidenced	Supported In-store and omnichannel card acceptance
Configurable rules-based fraud engineFraud, Risk & Authentication	Supported Custom velocity rules engine	Not evidenced
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 Worldpay B2B Payments (formerly Paymetric) embeds global payments and tokenization directly into SAP
Automated GL posting & bank reconciliationERP & Accounting Integration	Not evidenced	Supported Worldpay B2B Payments streamlines AR processes with real-time visibility into financials and inventory
Listed on an official ERP marketplaceERP & Accounting Integration	Not evidenced	Supported Worldpay B2B Payments (formerly Paymetric) listed on the SAP Store
Ecommerce storefront pluginsPayment Acceptance & Channels	Core strength Plugins for Shopify, Magento, BigCommerce, WooCommerce and more	Supported Low-code and no-code online payment gateway integration
Global payoutsGlobal Reach & Money Movement	Supported Payouts to bank accounts and cards, including instant/24-7	Core strength Payouts to bank accounts, cards and wallets in 180+ countries
3-D Secure / strong customer authenticationFraud, Risk & Authentication	Core strength 3DS authentication with liability shift	Supported Strong customer authentication
Chargeback & dispute managementFraud, Risk & Authentication	Core strength Dispute management with Visa Rapid Dispute Resolution	Supported Dispute and chargeback management
Identity verification & sanctions screeningFraud, Risk & Authentication	Core strength AI-powered identity verification, sanctions/PEP/adverse-media screening	Supported Marketplace party onboarding with KYC/KYB verification; sanctions screening
PayFac-as-a-ServiceEmbedded Finance & Platform Payments	Supported Sub-merchant onboarding with automated KYC/KYB, configurable commissions	Core strength PayFac-as-a-Service with underwriting and compliance handled by Worldpay
White-label embedded-payments SDKEmbedded Finance & Platform Payments	Supported Unified Payments API, Flow checkout blocks	Core strength Integrated Payments tier and PayFac Developer tier
REST API & SDKsDeveloper Platform & Checkout Tools	Core strength Unified Payments API	Supported Online payment gateway with low-code/no-code integration options
Hosted / embeddable checkout componentsDeveloper Platform & Checkout Tools	Core strength Flow, Hosted Payment Page	Supported Pay-by-link and hosted payment pages

Both grade identically on the other 32 capabilities — see each product's full profile: Checkout.com, Worldpay.

Checkout.com vs Worldpay — FAQs

Is Checkout.com or Worldpay better for ERP integration?

They state different ERP coverage: Checkout.com lists no ERP integrations publicly; Worldpay lists SAP.

Which is cheaper, Checkout.com or Worldpay?

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 Worldpay should each cost you — and whether a third option belongs on your shortlist.

Related comparisons

Checkout.com vs Worldpay

Payment Processing — full capability comparison

erpresearch.com · Independent ERP software comparison
erpresearch.com/erp-add-ons/processing/checkout-com-vs-worldpay

	Checkout.com	Worldpay
Starting price	Quote-based (flat-rate or Interchange++)	Interchange-plus, with monthly and contract fees
Deployment	Cloud	Cloud
Company size	Mid-market, Enterprise	SMB, Mid-market, Enterprise
Stated ERP integrations	None listed	SAP
Vendor	Checkout.com	Worldpay

Payment Acceptance & Channels

Capability	Checkout.com	Worldpay
Credit & debit card processing	Core strength — Core acquiring business	Core strength — Core acquiring business
ACH / bank transfer processing	Not evidenced	Supported — Real-time bank transfers in 70+ countries
Digital wallet acceptance	Core strength — Apple Pay, PayPal, Alipay and other wallets	Core strength — Alipay, PayPal, WeChat Pay, Klarna BNPL
Local & alternative payment methods	Core strength — iDEAL, POLi, Przelewy24 and other local methods	Core strength — 60+ payment methods across 170+ countries, including BLIK and UnionPay
Virtual terminal	Not evidenced	Not evidenced
Payment links & hosted pages	Supported — Payment Links for multi-channel/no-code acceptance	Supported — Pay-by-link and hosted payment pages
In-person POS hardware	Not evidenced	Supported — In-store and omnichannel card acceptance
IVR / phone payment acceptance	Not evidenced	Not evidenced
Ecommerce storefront plugins	Core strength — Plugins for Shopify, Magento, BigCommerce, WooCommerce and more	Supported — Low-code and no-code online payment gateway integration

Global Reach & Money Movement

Capability	Checkout.com	Worldpay
Multi-currency processing	Core strength — 150+ processing currencies, 20 settlement currencies	Core strength — 135+ supported currencies
Direct / domestic acquiring	Core strength — Direct acquiring licenses in UK/EEA, US, APAC, MENAP; 57 domestic processing countries	Core strength — Domestic acquiring/processing in 70+ markets
Cross-border FX & treasury	Core strength — Treasury & FX management	Not evidenced
Global payouts	Supported — Payouts to bank accounts and cards, including instant/24-7	Core strength — Payouts to bank accounts, cards and wallets in 180+ countries
Settlement & funding reporting	Supported — Automated settlement reconciliation reporting	Supported — Consolidated reporting across processors, acquirers and gateways

Fraud, Risk & Authentication

Capability	Checkout.com	Worldpay
Machine-learning fraud detection	Core strength — Fraud Detection ML risk scoring; Intelligent Acceptance AI model	Core strength — FraudSight machine-learning fraud detection
Configurable rules-based fraud engine	Supported — Custom velocity rules engine	Not evidenced
3-D Secure / strong customer authentication	Core strength — 3DS authentication with liability shift	Supported — Strong customer authentication
AVS / CVV verification	Not evidenced	Not evidenced
Chargeback & dispute management	Core strength — Dispute management with Visa Rapid Dispute Resolution	Supported — Dispute and chargeback management
Identity verification & sanctions screening	Core strength — AI-powered identity verification, sanctions/PEP/adverse-media screening	Supported — Marketplace party onboarding with KYC/KYB verification; sanctions screening
Automatic account / card updater	Supported — Real-Time Account Updater	Supported — Network payment tokens and automatic account updater

Billing & Receivables

Capability	Checkout.com	Worldpay
Recurring / subscription billing	Not evidenced	Not evidenced
Electronic invoicing with embedded payment	Not evidenced	Not evidenced
Automated dunning & retry	Not evidenced	Not evidenced
Customer self-service billing portal	Not evidenced	Not evidenced
Compliant credit-card surcharging	Not evidenced	Not evidenced
Automated revenue recognition	Not evidenced	Not evidenced
Automated tax calculation & filing	Not evidenced	Not evidenced

Embedded Finance & Platform Payments

Capability	Checkout.com	Worldpay
Marketplace / multi-party split payments	Core strength — Split payments at authorization, capture or refund	Core strength — Automated fund splitting and distribution across marketplace parties
PayFac-as-a-Service	Supported — Sub-merchant onboarding with automated KYC/KYB, configurable commissions	Core strength — PayFac-as-a-Service with underwriting and compliance handled by Worldpay
Card issuing	Core strength — Physical and virtual Visa/Mastercard programs with spend controls	Not evidenced
Embedded lending / business capital	Not evidenced	Not evidenced
White-label embedded-payments SDK	Supported — Unified Payments API, Flow checkout blocks	Core strength — Integrated Payments tier and PayFac Developer tier

Tokenization & Security

Capability	Checkout.com	Worldpay
Tokenized card vault	Core strength — Vault for secure card tokenization and data storage	Core strength — Acquirer-agnostic Vault for tokenized credential storage
Point-to-point encryption (P2PE)	Not evidenced	Not evidenced
PCI DSS Level 1 certified infrastructure	Not evidenced	Not evidenced
Network tokenization	Core strength — Network Tokens for encrypted, updateable card credentials	Core strength — Network payment tokens with cross-region failover

Reporting & Reconciliation

Capability	Checkout.com	Worldpay
Unified transaction dashboard	Supported — Dashboard for unified transaction monitoring and reporting	Supported — Customizable real-time dashboards by region, method and time period
Custom report builder	Not evidenced	Not evidenced
Automated payment reconciliation	Supported — Automated settlement reconciliation; centralized reconciliation across platform participants	Supported — Real-time reconciliation and transparent per-transaction reporting
Data export & BI connectivity	Not evidenced	Not evidenced

Developer Platform & Checkout Tools

Capability	Checkout.com	Worldpay
REST API & SDKs	Core strength — Unified Payments API	Supported — Online payment gateway with low-code/no-code integration options
Webhooks	Not evidenced	Not evidenced
Hosted / embeddable checkout components	Core strength — Flow, Hosted Payment Page	Supported — Pay-by-link and hosted payment pages
Native mobile SDKs	Supported — Native Android and iOS mobile SDKs	Not evidenced
Sandbox / test environment	Not evidenced	Not evidenced

ERP & Accounting Integration

Capability	Checkout.com	Worldpay
Native ERP module / embedded processing	Not evidenced	Supported — Worldpay B2B Payments (formerly Paymetric) embeds global payments and tokenization directly into SAP
Automated GL posting & bank reconciliation	Not evidenced	Supported — Worldpay B2B Payments streamlines AR processes with real-time visibility into financials and inventory
Listed on an official ERP marketplace	Not evidenced	Supported — Worldpay B2B Payments (formerly Paymetric) listed on the SAP Store
Coverage across multiple major ERPs	Not evidenced	Not evidenced

“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo. Sourced from vendor documentation and marketplaces; verify against your ERP version. © ERP Research — independent, no vendor sponsorship.