Compare
Synapto vs Checkout.com, when you are not an enterprise yet
Checkout.com is built for very large merchants and says so. This page is for growing UK businesses that still want to be taken seriously.
How Checkout.com and Synapto compare
| Synapto | Checkout.com | |
|---|---|---|
| Who it is for | UK businesses of most sizes | Enterprise merchants, by their own description |
| Getting started | Book a call or leave your details for a callback | Sales contact only, no self-serve sign-up |
| Pricing you can see | A clear price, agreed with you | No pricing published, quoted through sales |
| Support | A named person you can phone | Enterprise-focused, and thinner for smaller merchants |
| Time to a straight answer | One call, one day | Enterprise sales cycle |
Checkout.com pricing checked against their public pricing page on 24 July 2026. Tell us if it's changed.
Checkout.com is built for a different scale
If you are a large enterprise processing at real scale, with a payments team and complex global routing needs, Checkout.com is built precisely for you and does that job well. Its infrastructure and reach at the top end are genuinely strong. We are built for UK businesses that want a straight answer and a person to talk to before they are enterprise-sized. If you are already there, they may be the better fit.
How to compare on cost
Checkout.com does not publish its pricing: each merchant is quoted through sales, as the table above notes. There is no published rate to put in a worked example, and we will not guess one. Compare on effective rate instead.
Take one recent month and add up every charge on the invoice: transaction fees, interchange and scheme lines if you are on interchange plus plus, and any monthly, gateway or fraud tool charges. Divide the total by that month's card volume. The percentage you get is your effective rate, and it is the only figure worth comparing.
Then price the same month on our standard rate: 1% + 10p on UK consumer cards and 2.5% + 10p on business and premium cards, with no monthly fee. As an example only, £150,000 a month in £60 payments, all on UK consumer cards, is 2,500 payments costing £1,750, an effective rate of about 1.17%. Your real figure depends on your card mix and average payment, which is what we work through with your invoice.
What switching from Checkout.com involves
Read the agreement first
Checkout.com agreements are negotiated, so the term, notice period and any volume commitment are in your contract. We read it with you and say whether to move now or at renewal.
Price your invoice like for like
If your invoice is interchange plus plus, we compare it line by line. If it is a blended rate, we work out your effective rate first, then price the same month.
Request a card data export
Ask Checkout.com for an export of stored card data to a PCI DSS compliant provider. We set up the receiving side and confirm what transferred before your checkout moves.
Map routing and fraud tools
If you use Checkout.com's routing or fraud tools, we list what each does for you today and what replaces it. Your developer builds against our SDK with our payments engineer on hand.
Asked before switching
No. We work with UK businesses of most sizes, not only enterprises. You get the same account manager and the same clear price whether you are starting out or scaling up.
Yes. We go through a recent statement on one call and give you a clear price for the same volume. No drawn-out enterprise cycle to find out what you would pay.
Yes. The point of doing the checks at onboarding is that growth does not trigger a mid-flight review that freezes your funds. You scale, the same account manager stays on the other end.
Start with the agreement. Term, notice and any committed volume are set there, not on a public page, so read it before you set a date. We go through it with you and suggest whether moving now or at renewal costs less.
Ask Checkout.com to export stored card data to a PCI DSS compliant provider; that is the usual route between processors. We handle the receiving side and tell you which cards arrived before anything changes for your customers.
Yes. Bring an invoice and we compare it line by line. If you are on a blended rate instead, we work out your effective rate first so the two numbers mean the same thing.
Payouts reach your bank account the next working day as standard. There is no first-payout hold, and an extra 1% of the amount buys a faster payout when you need one. Check your Checkout.com agreement for your current schedule so you compare like with like.