Checkout.com
Checkout.com is a global payments platform providing end-to-end financial solutions including payment processing, fraud detection, and card issuing to help businesses scale their international digital commerce operations.
Stellar
Stellar is an open-source decentralized network that connects global financial institutions to provide low-cost, near-instant cross-border payments and digital asset issuance for businesses and developers worldwide.
Quick Comparison
| Feature | Checkout.com | Stellar |
|---|---|---|
| Website | checkout.com | stellar.org |
| Pricing Model | Custom | Free |
| Starting Price | Custom Pricing | Free |
| FREE Trial | ✘ No free trial | ✘ No free trial |
| Free Plan | ✘ No free plan | ✓ Has free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2012 | 2014 |
| Headquarters | London, UK | San Francisco, USA |
Overview
Checkout.com
Checkout.com provides you with a unified platform to manage every stage of the payment lifecycle. You can accept global payments, manage risk, and issue your own cards through a single integration. The platform is designed to handle high-volume transactions for global brands, offering deep data insights that help you improve authorization rates and reduce friction at the point of sale.
You can customize your checkout experience to match your brand while accessing over 150 currencies and dozens of local payment methods. Whether you are expanding into new markets or looking to optimize your existing payment stack, the platform gives you the tools to monitor performance in real-time and protect your revenue from sophisticated fraud.
Stellar
Stellar is an open-source decentralized network designed to help you move money and create digital assets quickly and reliably. Unlike traditional banking systems that take days to settle international transfers, you can clear and settle transactions on Stellar in seconds for a fraction of a cent. You can issue your own digital tokens or use existing stablecoins to represent real-world currencies like Dollars, Euros, or Pesos.
The platform provides a unified infrastructure where you can integrate with global financial institutions through a single integration. Whether you are building a global remittance app, a digital wallet, or a payment gateway, you can access a distributed exchange and automated market makers directly on the network. It simplifies the complexity of blockchain development so you can focus on building financial products that reach anyone, anywhere.
Overview
Checkout.com Features
- Global Acquiring Process payments in over 150 currencies with local acquiring in major markets to boost your authorization rates.
- Intelligent Acceptance Use AI-driven optimization to automatically route transactions and format data, ensuring you capture every possible sale.
- Fraud Detection Protect your business with machine learning tools that identify and block suspicious activity without blocking legitimate customers.
- Flexible Integration Choose between hosted payment pages, mobile SDKs, or full API integration to build the exact checkout experience you need.
- Card Issuing Create and manage your own virtual or physical card programs to streamline payouts and control corporate spending.
- Real-time Reporting Access granular transaction data and financial analytics instantly so you can make informed decisions about your business growth.
Stellar Features
- Asset Issuance. Create and manage your own digital tokens to represent currencies, securities, or loyalty points with just a few lines of code.
- Fast Settlement. Confirm your transactions in 3 to 5 seconds using a unique consensus mechanism that doesn't require expensive mining.
- Low-Cost Transactions. Send global payments for a fixed fee of 0.00001 XLM per operation, making micro-payments finally viable for your business.
- Path Payments. Send one currency and have the recipient receive another automatically through the network's built-in decentralized exchange.
- Anchor Integration. Connect your application to regulated financial institutions that handle the on-ramping and off-ramping of local fiat currencies.
- Smart Contracts. Build sophisticated decentralized applications using Soroban, a Rust-based smart contract platform designed for high performance and scalability.
Pricing Comparison
Checkout.com Pricing
Stellar Pricing
- Open-source access
- 0.00001 XLM base fee
- Unlimited transactions
- Public API access
- Community support
- Standard ledger limits
- Free testing environment
- Free test XLM (Friendbot)
- Full API functionality
- No real-world value risk
- Rapid prototyping
- Developer documentation
Pros & Cons
Checkout.com
Pros
- High authorization rates for international transactions
- Unified platform simplifies complex global payment stacks
- Excellent documentation for developers and technical teams
- Granular data insights help optimize payment performance
Cons
- Custom pricing lacks transparency for smaller merchants
- Lengthy onboarding process for high-risk industries
- Support response times can vary during peak periods
Stellar
Pros
- Extremely low transaction fees for global payments
- Fast settlement times compared to other blockchains
- Built-in decentralized exchange for easy currency conversion
- Comprehensive developer documentation and SDK support
- Energy-efficient consensus protocol reduces environmental impact
Cons
- Requires holding a minimum XLM balance
- Smaller ecosystem compared to Ethereum or Bitcoin
- Limited smart contract complexity before Soroban update