Paybyrd Paybyrd
Registo gratuito
Honest comparison · 2026

Paybyrd vs Checkout.com

Checkout.com is built for enterprise. Paybyrd benchmarks show a +4.86% approval-rate lift on typical EU merchant profiles.

Savings vs Checkout.com
€1,560 / yr
at €1M annual volume · blended mix
Cost reduction
12.9%
lower processing cost
Approval lift
+4–7%
vs benchmark · multi-acquiring
Migration
22 days
typical · parallel-processed
Book a 30-min demo Run your real numbers
Rates at a glance

The numbers, side by side.

Blended rates against a typical EU merchant card mix (85% EEA consumer, 10% non-EEA, 5% business). Published pricing as of April 2026.

P
Paybyrd
Online cards
1.25% + €0.08
APMs
€0.2
Card-present
0.5%
Chargeback fee
€7.5
Monthly minimum
None
C
Checkout.com
Online cards
1.45% + €0.1
APMs
€0.2
Card-present
1.4%
Chargeback fee
€15
Monthly minimum
None

Rates are blended against a typical EU merchant mix (85% EEA consumer, 10% non-EEA, 5% business). Headline rates in Checkout.com's own published materials don't include the non-EEA and business-card surcharges that apply to most real merchant volume. These numbers do.

Where Checkout.com still wins

We won't pretend Checkout.com is all bad.

Checkout.com has a real business and serious strengths. Here's the honest list, so you can weigh it against what Paybyrd changes.

✓ Checkout.com is strong at
  • Direct acquiring in major markets, strong enterprise reputation.
  • Robust API and developer tooling for high-volume merchants.
  • Tailored pricing and dedicated account teams for Tier-1 accounts.
→ Where Paybyrd wins
  • +4.86% approval-rate lift benchmarked against Checkout.com on typical EU merchant card volume. Multi-acquiring retries soft declines on a second acquirer in under 200ms — on €10M/yr volume that's ~€500K of recovered revenue a year.
  • Transparent blended rates from day one — no procurement gauntlet, no IC++ guessing game, no bespoke implementation-fee negotiation. 1.25% + €0.08 published, tiered to 0.99% / 0.85% at higher volumes, custom @ €2M+.
  • Zero monthly minimums, zero setup fees, zero implementation fees. Checkout.com typically requires enterprise commitments and upfront integration fees billed before first transaction.
  • 22-day contract-to-live for enterprise rollouts (Vila Galé first-property runbook; subsequent in days; SMB merchants live in <4 hours) with parallel processing and rollback switch. Checkout.com's typical onboarding is 2–4 months of sales + integration before first live transaction.
  • 99.999% uptime SLA with contractual credits (10% / 25% / 50% tiers) + named TAM + dedicated Slack SRE channel from day one on Custom plans. Same enterprise muscle, with the named engineer who built the thing on the other end of the channel.
  • Self-hosted modules for regulated markets — gateway, vault, decisioning engine run in your cloud or behind your VPC for BR / AO / EU data-residency requirements. Same compliance flexibility enterprise teams expect from Checkout.com.
  • Up to 80% DCC revenue share back to the merchant on international-card volume. Plus a surcharge engine for legal markets (US / AU / LATAM / EU credit carve-outs) that recovers €4M–€7M/yr for a €2B merchant. Novel commercial levers Checkout.com doesn't offer.
  • Paybyrd Antifraud as a standalone product or bundled: 47ms p95 decisions, 55+ signals per transaction, rules-then-ML hybrid with every signal explainable. Shadow mode runs 2–3 months alongside your incumbent before any decision changes.
  • Acquirer-agnostic: keep your existing acquirer contracts, your negotiated rates, your in-flight volume commitments. Paybyrd orchestrates on top. Consolidate to Paybyrd acquiring later if you want — separate decision, separate contract.
  • Engineer-led 15-minute discovery. No SDR, no slide deck. €7.50 chargebacks vs Checkout.com's €15. Cancel anytime on Essential — no lock-in.
How the switch works

22 days from contract to live traffic.

We don't ask you to flip a switch. Parallel-processing means you compare diff reports against your incumbent before committing. Rollback is always one config flag away.

  1. Phase 1 · Week 1–2
    Sandbox + integrations

    Your integrations team pairs with ours. Paybyrd sandbox certified. Existing card tokens, recurring IDs, and APM references mapped 1:1 on our side so no customer re-auth is needed.

  2. Phase 2 · Week 3–4
    Parallel processing

    Paybyrd handles 5–20% of live traffic while Checkout.com processes the rest. You compare approval rates, cost per transaction, and reconciliation against your incumbent in real time.

  3. Phase 3 · Week 4+
    Graduated cutover

    You hold the rollback switch. Scale Paybyrd traffic at whatever pace you're comfortable with — 50%, 80%, 100%. Most merchants finish cutover within 22 business days of contract sign.

Common questions

About switching from Checkout.com.

Where does the +4.86% approval-rate lift come from?
Multi-acquiring routing. When a card is declined by one acquirer for a soft-decline reason (insufficient funds flag, velocity check, issuer-side heuristic), Paybyrd automatically retries on a second acquirer in <200ms. Across a typical EU card volume against a Checkout.com-equivalent single-acquirer baseline, we recover roughly one transaction in twenty that would otherwise have been lost. The exact number depends on your card mix, geography, and average ticket — the demo walks through your real numbers.
We're enterprise-scale (>€500M volume). Is Paybyrd appropriate?
Yes. Our biggest merchants process €10B+ annually on Paybyrd. At enterprise scale you get: named technical account manager, dedicated Slack channel with SRE on-call, custom SLAs with credit-backed uptime commitments, interchange++ pricing on request, multi-region deployment, data-residency self-hosted modules (gateway, vault, decisioning engine).
How does your 3DS and fraud stack compare?
3DS2 with device-ID-based step-up (Visa Trusted Listing where eligible), 47ms p95 decision engine with 55+ fraud signals, network tokenisation, behavioural biometrics. We also offer Paybyrd Antifraud as a standalone product if you want scoring without the processing.
Can I keep my Checkout.com contract during migration?
Yes — we parallel-process. Paybyrd handles 5-20% of live traffic while your Checkout.com pipeline keeps running. You compare diff reports against your incumbent for 2-4 weeks before committing to full cutover. Rollback is always one config flag away until you're 100% confident.
Can I keep my existing acquirer contracts?
Yes. Paybyrd is acquirer-agnostic — keep your negotiated rates and in-flight volume commitments. We orchestrate on top. If you later choose to consolidate, we can act as your acquirer across 90+ markets, but it's a separate decision on a separate contract.

30 minutes with a payment engineer,
your numbers, no slides.

Bring your most recent Checkout.com statement. We'll benchmark your actual approval rate against Paybyrd's multi-acquiring routing (typical lift: 4–7% on EU card volume), and map the migration path.

Book a 30-min demo Or run your numbers first