Checkout.com headquartered in London enables businesses with technology designed to make payments seamless. Checkout.com boasts the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, fraud filters and reporting through one API. Checkout.com can accept all major international credit and debit cards, as well as popular alternative and local payment methods. The company launched in 2012 and now has a team of over 1100 people across 18 offices worldwide.
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dLocal
Score 8.6 out of 10
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DLocal is a 360 payments platform designed to handle mass online payments in emerging markets across LATAM, APAC, and EMEA. The platform allows anyone to reach billions of customers, accept payments, send payouts, and settle funds globally.
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Pricing
Checkout.com
dLocal
Editions & Modules
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Offerings
Pricing Offerings
Checkout.com
dLocal
Free Trial
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Free/Freemium Version
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No
Premium Consulting/Integration Services
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No
Entry-level Setup Fee
No setup fee
No setup fee
Additional Details
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More Pricing Information
Community Pulse
Checkout.com
dLocal
Features
Checkout.com
dLocal
Payment Gateways
Comparison of Payment Gateways features of Product A and Product B
Checkout offers great service and expertise and stands above its peers in full-service offering, integration, and ongoing support. However, Checkout is not suitable in a scenario where Paysend is fully licensed and a direct acquirer of the scheme. In this scenario, Paysend can perform the full value chain in-house.
dLocal does a very good job of explaining why payments fail when they occur, and makes it clear what happened. I work with Onesource too, and it doesn't explain this very well. There is a specific payment in Brazil called PIX, as if it were a digital wallet that makes payments immediately. This payment is processed by Demerge, but it is not possible to find this type of payment in platform. So sometimes the client makes the payment in this way to another account by mistake, and we are unable to locate it on our part.
Account management: bi-weekly calls and follow up by email or slack, good understanding of our needs and high engagement
Technical account manager: as above, high engagement with us and sharing Checkout.com technical roadmap
Performance: with the recent enhancement in intelligent acceptance,
Mix of own and third party acquiring: this is much appreciated for a merchant like us to be able to process locally via third party acquiring when Checkout.com does not have its own
The dLocal platform is very easy to use, and has a well thought out user experience. It's intuitive for you to find what you want, with the different filters that the site offers. As well as information that returns about a specific payment, such as all customer-related content, which is used to find Spotify accounts
In the last 3 years that I have been working with Checkout.com, they had an unplanned outage that lasted less than a few minutes. Their uptime is amazing. If they have maintenance, unlike banks, they don't have downtime during this time. We frequently require their support and Checkout.com responds to us within minutes. When we have important rollouts, I schedule calls with our merchant support manager to monitor the rollout/perform tests, etc. It is always easy to find time lost even with short notice.
Checkout.com performance as an acquirer and a PSP is excellent. We have too many transactions per day, therefore reports take some time to generate before they are available for downloading. But it indeed takes reasonable time. We use native/h2h integration therefore, there is no redirection issue, all pages load quickly on our side. Based on my experience, Checkout.com will never never integrate with software or systems that will slow them down. Amongst all payment methods they offer, all are processed immediately, without delays.
Support has been top-notch. I've been with 3 different payment processors in the past and they did not provide any support with regards to failed payments, regular calls to optimize our acceptance rating. Checkout.com has been in constant communication with us since Day 1, explaining trends and providing us with data and explaining to us how we can improve to get the most out of Checkout.com.
We still use all the above, but checkout was selected to be included within them because of their current stability, their future-looking approach, and our interest in how they would develop. It's fair to say they are keeping to that initial evaluation and going from strength to strength.
dLocal is the most complete among the platforms I use in my daily life, in relation to searching for payments. both in layout, UX, optimization, among other things. In addition to being possible to locate several different types of payments from different countries. As a comparison, Onesource works mostly only for payments in Latin America
Our tech team implemented payments API to process payments online. Analytics team receives transaction repots that we use to build our own performance dashboards and help to reconcile transactions. API is indeed flexible - we don't use all features but if required we can easily implement them. When Checkout.com adds new features or functionalities, some of them can be used even on an older API version which saved us tech resources and implementation time. We use the same API to expand into new markets - technically we don't need to change anything when we want to launch payments in a new country.
dLocal helps businesses accept payments in new markets, which helps attract more customers and increases sales. ROI can be positive with customer growth and geographic diversification.
dLocal can reduce payment costs by uniting and simplifying international and local payments on one platform, which can help you make better money
dLocal can require a lot of investment, training and changes to internal processes. If adaptation is not efficient or emerging markets do not perform as expected, it may delay returns or result in losses.
