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Adyen vs Checkout.com
March 20, 2025 | Author: Sandeep Sharma
10★
The payments platform built for any business and every customer journey. End-to-end payments, data, and financial management in a single solution.
4★
Checkout.com is a payment processing platform with real-time insights, centralized reconciliation tools and complete feature parity across multiple geographies. All through one unified API. High-performing businesses choose Checkout.com to boost acceptance rates, fight fraud, and create extraordinary customer experiences.
Adyen and Checkout.com are, at first glance, strikingly similar. Both exist to make payments happen in a way that makes businesses feel sophisticated and customers feel like their money is vanishing in the most effortless way possible. They offer a dazzling array of payment methods, throw in some fraud detection wizardry to make you feel safe and provide APIs that ensure developers can suffer just the right amount before achieving seamless transactions. Most importantly, they both cater to businesses that prefer their revenue streams wide, global and preferably increasing.
Adyen, hailing from the Netherlands since 2006, takes the "why not do everything?" approach. It not only processes payments but also plays the part of a bank, issuing accounts, lending money and generally making itself indispensable to businesses like Spotify and Uber, who appreciate the whole "one platform to rule them all" thing. It's also a fan of omnichannel payments, ensuring that customers can part with their money in a store, online or presumably while sleepwalking, should that become a viable commercial avenue.
Checkout.com, born in the UK in 2012, prefers a sleeker, more fintech-friendly approach. It focuses on digital-first businesses like Binance and Klarna, helping them optimize payments while employing AI to stare suspiciously at every transaction, just in case. Unlike Adyen, it doesn't bother with banking services, which might sound like a limitation until you realize that "not being a bank" means fewer regulations and more time spent fine-tuning its data analytics to make sure payments are not only accepted but accepted smartly.
See also: Top 10 Payment Processing platforms
Adyen, hailing from the Netherlands since 2006, takes the "why not do everything?" approach. It not only processes payments but also plays the part of a bank, issuing accounts, lending money and generally making itself indispensable to businesses like Spotify and Uber, who appreciate the whole "one platform to rule them all" thing. It's also a fan of omnichannel payments, ensuring that customers can part with their money in a store, online or presumably while sleepwalking, should that become a viable commercial avenue.
Checkout.com, born in the UK in 2012, prefers a sleeker, more fintech-friendly approach. It focuses on digital-first businesses like Binance and Klarna, helping them optimize payments while employing AI to stare suspiciously at every transaction, just in case. Unlike Adyen, it doesn't bother with banking services, which might sound like a limitation until you realize that "not being a bank" means fewer regulations and more time spent fine-tuning its data analytics to make sure payments are not only accepted but accepted smartly.
See also: Top 10 Payment Processing platforms
