Clearent vs Checkout.com

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

By Marcus Reed·Updated October 13, 2026

Clearent Review →Checkout.com Review →Clearent Pricing →Checkout.com Pricing →

Note: Clearent rebranded to Xplor Pay on July 8, 2025. Press release →

Clearent's market is American mid-sized merchants and their software providers; it processes in the US only and is now marketed as Xplor Pay. Checkout.com's market is international online commerce, with local acquiring in 50+ markets and an API split into separate services. Both process on their own networks and route very little elsewhere.

Feature Comparison

Clearent5.5

vs13 criteria

Checkout.com6.2Winner

Feature	Clearent	Checkout.com	Notes
Integration Architecture	6	8	Checkout.com has an edge (8 vs 6). Modular API-first platform with separate payment, risk, and reporting services. Clearent: Mid-market payment platform combining processing and ISV tools in a single offering
API & Developer Experience	5	8	Checkout.com has an edge (8 vs 5). Strong technical documentation with modern REST APIs and comprehensive webhook support. Clearent: Decent APIs for mid-market ISVs with integration support but limited developer community
White-Label Capabilities	6	5	Clearent scores slightly higher (6 vs 5). Offers some white-label options for ISV partners including branded payment flows. Checkout.com: Some white-label options for enterprise clients but not a core platform strength
Processor Flexibility	3	3	Both score 3/10. Clearent: Processes on own network with limited routing to external acquirers. Checkout.com: Primarily own-network processing with limited external routing capabilities.
Pricing & Fee Structure	7	7	Both score 7/10. Clearent: Transparent interchange-plus pricing with ISV-friendly volume economics. Checkout.com: Interchange-plus pricing optimized for high-volume merchants; competitive at scale.
Omnichannel & In-Person Payments	6	4	Clearent has an edge (6 vs 4). Solid mid-market terminal support with EMV and contactless capabilities. Checkout.com: Primarily online-focused with limited in-person payment terminal support
Fraud & Security	6	8	Checkout.com has an edge (8 vs 6). Fraud Detection Pro with ML-based scoring and configurable risk rules. Clearent: Standard PCI compliance and fraud tools appropriate for mid-market processing volumes
Revenue Sharing	6	6	Both score 6/10. Clearent: ISV revenue sharing program with margin control over interchange spread. Checkout.com: Platform solutions include rev-share mechanics for ISV partners at enterprise volumes.
Merchant Onboarding	7	5	Clearent has an edge (7 vs 5). Streamlined onboarding with fast merchant activation for ISV sub-merchants. Checkout.com: Enterprise-focused onboarding with longer cycles but dedicated integration support
Global Reach	3	8	Checkout.com leads significantly (8 vs 3). Local acquiring in 50+ markets with strong coverage in Europe, Middle East, and Asia. Clearent: US-only processing — no international acquiring capabilities
Recurring Billing	5	6	Checkout.com scores slightly higher (6 vs 5). Token-based recurring payments supported but not a dedicated billing platform. Clearent: Basic recurring payment features through gateway tokenization
Customer Support	6	6	Both score 6/10. Clearent: Responsive mid-market support team with dedicated ISV partner managers. Checkout.com: Dedicated account management and 24/7 support for enterprise clients.
PayFac Options	5	6	Checkout.com scores slightly higher (6 vs 5). Payment facilitation available for enterprise ISVs with compliance management included. Clearent: Embedded payments program allows ISVs to facilitate payments without full PayFac setup

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Best for

Clearent

ISVs and vertical SaaS platforms wanting dedicated PayFac capabilities, integrated terminals, and ISV-optimized revenue sharing.

Visit xplorpay.com ↗

Best for

Checkout.com

Enterprise platforms and high-growth e-commerce needing global acquiring, high uptime, and broad currency support.

Visit checkout.com ↗

Note: Clearent has rebranded to Xplor Pay. This comparison reflects the combined capabilities of the Clearent/Xplor Pay platform.

Clearent vs Checkout.com: What ISVs Need to Know

Choosing between Clearent 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 Clearent and Checkout.com comes down to how each platform approaches ISV payment facilitation. Clearent 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 Clearent 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 Clearent 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 Clearent 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.