Adyen vs Checkout.com

A feature-by-feature comparison for ISVs integrating payments.

By Marcus Reed·Updated October 13, 2026

Adyen Review →Checkout.com Review →Adyen Pricing →Checkout.com Pricing →

Adyen and Checkout.com both acquire their own transactions, and neither hands volume to an outside processor. Adyen puts the gateway, acquiring and risk tools under one contract and also runs its own fleet of in-store terminals. Checkout.com is a modular, API-first platform in which payments, risk and reporting run as separate services; its focus has been online checkout, with local acquiring in 50+ markets across Europe, the Middle East and Asia.

Feature Comparison

Adyen6.5Winner

vs13 criteria

Checkout.com6.2

Feature	Adyen	Checkout.com	Notes
Integration Architecture	8	8	Both score 8/10. Adyen: Single-platform architecture connecting acquiring, processing, and risk management under one contract. Checkout.com: Modular API-first platform with separate payment, risk, and reporting services.
API & Developer Experience	7	8	Checkout.com scores slightly higher (8 vs 7). Strong technical documentation with modern REST APIs and comprehensive webhook support. Adyen: Solid API documentation though less developer-community focus than Stripe; integration requires more upfront effort
White-Label Capabilities	4	5	Checkout.com scores slightly higher (5 vs 4). Some white-label options for enterprise clients but not a core platform strength. Adyen: Co-branded checkout experience with Adyen branding present in most merchant-facing flows
Processor Flexibility	2	3	Checkout.com scores slightly higher (3 vs 2). Primarily own-network processing with limited external routing capabilities. Adyen: Adyen acts as both gateway and acquirer — no option to route to third-party processors
Pricing & Fee Structure	7	7	Both score 7/10. Adyen: Interchange-plus pricing with acquiring markups; favorable economics at high volumes. Checkout.com: Interchange-plus pricing optimized for high-volume merchants; competitive at scale.
Omnichannel & In-Person Payments	9	4	Adyen leads significantly (9 vs 4). Purpose-built terminal fleet with unified online and in-store transaction data. Checkout.com: Primarily online-focused with limited in-person payment terminal support
Fraud & Security	9	8	Adyen scores slightly higher (9 vs 8). RevenueProtect ML engine with custom risk rules, network tokenization, and 3DS2 optimization. Checkout.com: Fraud Detection Pro with ML-based scoring and configurable risk rules
Revenue Sharing	6	6	Both score 6/10. Adyen: Adyen for Platforms includes rev-share but economics favor high-volume ISVs. Checkout.com: Platform solutions include rev-share mechanics for ISV partners at enterprise volumes.
Merchant Onboarding	5	5	Both score 5/10. Adyen: Longer onboarding cycles with higher minimum volume expectations; not suited for SMB activation. Checkout.com: Enterprise-focused onboarding with longer cycles but dedicated integration support.
Global Reach	10	8	Adyen has an edge (10 vs 8). Local acquiring licenses in 30+ markets reducing decline rates and cross-border fees. Checkout.com: Local acquiring in 50+ markets with strong coverage in Europe, Middle East, and Asia
Recurring Billing	6	6	Both score 6/10. Adyen: Subscription management available but not the platform's primary focus; better at one-time payments. Checkout.com: Token-based recurring payments supported but not a dedicated billing platform.
Customer Support	5	6	Checkout.com scores slightly higher (6 vs 5). Dedicated account management and 24/7 support for enterprise clients. Adyen: Dedicated account management for enterprise clients; limited self-service options for smaller partners
PayFac Options	6	6	Both score 6/10. Adyen: Adyen for Platforms provides embedded payments with managed compliance, but requires revenue commitment. Checkout.com: Payment facilitation available for enterprise ISVs with compliance management included.

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Best for

Adyen

ISVs needing the broadest global acquiring coverage with a proven enterprise platform serving the world's largest companies.

Visit adyen.com ↗

Best for

Checkout.com

High-growth ISVs that prioritize modern API design, developer experience, and agile support for scaling payment operations.

Visit checkout.com ↗

Adyen vs Checkout.com: What ISVs Need to Know

Choosing between Adyen and Checkout.com for embedded payments is a decision that directly impacts your ISV’s revenue model, merchant experience, and technical architecture. This comparison breaks down where each platform excels from an ISV integration perspective.

Key Differences for ISVs

The most important distinction between Adyen and Checkout.com comes down to how each platform approaches ISV payment facilitation. Adyen and Checkout.com take fundamentally different approaches to merchant onboarding, revenue sharing, and platform integration — and those differences matter when you’re building payments into your software.

Integration architecture varies significantly between the two. ISVs evaluating Adyen vs Checkout.com should consider how each platform handles sub-merchant onboarding, payment splitting, and settlement timing. The right choice depends on your specific vertical, transaction volumes, and how much control you need over the merchant payment experience.

Pricing and revenue economics also differ. ISVs earn money from embedded payments through the spread between what they charge merchants and what the processor charges them. The pricing model each platform uses — flat-rate, interchange-plus, or custom — directly affects your payment revenue per transaction.

Which Platform Fits Your ISV?

The best choice between Adyen and Checkout.com depends on your ISV’s specific requirements:

Transaction volume: Higher-volume ISVs may benefit from interchange-plus pricing, while lower-volume platforms often prefer flat-rate simplicity
Merchant type: B2B merchants have different payment needs than consumer-facing businesses
Geographic scope: International payment support varies significantly between providers
Integration depth: Some ISVs need white-label checkout while others are fine with co-branded experiences
Revenue model: How much of the payment margin you want to capture determines which platform’s economics work better

The ISV Payment Integration Perspective

For ISVs evaluating Adyen vs Checkout.com, the comparison shouldn’t stop at processing fees. Consider the total cost of integration, ongoing maintenance, and the revenue opportunity from embedded payments. The platform that generates the most payment revenue for your ISV while providing the best merchant experience is the right choice — and that calculation is different for every software company.

Evaluate both platforms against your specific use case. Request ISV-specific pricing from each, and compare the total economics including setup costs, per-transaction revenue, and the engineering investment required to integrate and maintain each platform.