Compare smepay and Checkout.com on pricing, features, platforms, and ratings — both Payments tools, paid vs Usage-based pricing to decide which fits your team.
At a Glance
smepay
Checkout.com
Primary category
Payments
Payments
Rating
Not documented
Not documented
Pricing model
paid
Usage-based
Starting price
Not documented
0.95% + $0.20 per transaction (European cards)
Free plan
Not documented
Not documented
Free trial
Not documented
Not documented
Platforms
Not documented
Web
Team collaboration
Not documented
Not documented
AI features
Not documented
Yes
Public API
Not documented
Yes
Pricing Compared
Starting price reflects the lowest paid tier, not the full cost for every team size or usage level.
smepay
No individual plan breakdown documented yet.
Checkout.com
Standard (European cards) — 0.95% + $0.20 per transaction Per transaction
Standard (non-European cards) — 2.90% + $0.20 per transaction Per transaction
Enterprise — Custom (interchange + markup) Custom
Pros & Cons
smepay
Checkout.com
Pros
Direct card network membership across Visa, Mastercard, and other networks in many markets
Interchange++ pricing offers more fee transparency than blended-rate processors
Single API covering payments, issuing, identity verification, and fraud prevention
Built for global, multi-currency, high-volume enterprise operations
Cons
Enterprise pricing is not fully public and requires a sales conversation for an accurate quote
Primarily designed for larger merchants; may be more than smaller businesses need
Integration and onboarding can be more involved than plug-and-play payment providers
Standard flat-rate pricing for non-European cards is higher than some competitors
Use Cases
smepay
Checkout.com
Global enterprise ecommerce — Large online retailers use Checkout.com to accept payments across multiple currencies and card networks worldwide.
Marketplaces and platforms — Multi-sided marketplaces use Checkout.com's payments and payouts APIs to collect from buyers and disburse to sellers.
Fraud and risk management — Merchants use Fraud Detection Pro and Intelligent Acceptance to reduce chargebacks while maximizing approval rates.