# Checkout.com alternatives — Payment As of 21 Oct 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Novalnet (3/5)](https://whats-best.ai/software/payment/novalnet) highest among the other 30 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). - Canonical page: https://whats-best.ai/software/payment/checkout-com/alternatives - Checkout.com: https://whats-best.ai/software/payment/checkout-com.md - Data as of: 2026-10-21 **AI-generated.** Ratings and verdicts are the opinion of a panel of AI judges, formed from public evidence against a published rubric — an analysis, not a hands-on test. Listed by panel rating (products the panel could not rate follow alphabetically); no placement is for sale. How lists are ordered: https://whats-best.ai/methodology#ordering ## European alternatives to Checkout.com - [Adyen](https://whats-best.ai/software/payment/adyen) · EU-Made · panel rating 3/5 · data hosting: not stated on the vendor’s pages Adyen's strongest bench scores land in checkout and strong customer authentication: judges cite an authentication engine that applies PSD2 exemptions itself, configurable Dynamic 3-D Secure rules, liability shift documented per exemption flow, and network tokenisation with an account updater. - [Mollie](https://whats-best.ai/software/payment/mollie) · EU-Made · panel rating 3/5 · data hosting: not stated on the vendor’s pages Mollie is a Dutch payments provider: Mollie B.V. - [Novalnet](https://whats-best.ai/software/payment/novalnet) · EU-Made · panel rating 3/5 · data hosting: not stated on the vendor’s pages Novalnet AG is a BaFin-supervised payment institution under the German ZAG, register number 122702, in Garching near Munich. - [Pay.](https://whats-best.ai/software/payment/pay-nl) · EU-Made · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages Pay. - [Paddle](https://whats-best.ai/software/payment/paddle) · UK / wider Europe · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages Paddle is a merchant-of-record payment platform for digital products. - [MultiSafepay](https://whats-best.ai/software/payment/multisafepay) · EU-Made · panel rating 2.5/5 · data hosting: not stated on the vendor’s pages MultiSafepay B.V. - [PAYONE](https://whats-best.ai/software/payment/payone) · EU-Made · panel rating 2/5 · data hosting: not stated on the vendor’s pages PAYONE, a Frankfurt payment provider whose imprint names it a BaFin-licensed and supervised e-money institution, draws persona-weighted results from 4.0 to 4.8. - [Unzer](https://whats-best.ai/software/payment/unzer) · EU origin, foreign-owned · panel rating 2/5 · data hosting: not stated on the vendor’s pages Unzer is a Germany-based payment provider whose scores peak at licence and account terms, crediting the published BaFin payment-institution registration of Unzer E-Com GmbH (register number 122914), the Luxembourg and Danish licences, and an open account of the 2024 lifting of BaFin's special supervisory mandate. - [GoCardless](https://whats-best.ai/software/payment/gocardless) · UK / wider Europe · panel rating 2/5 · data hosting: not stated on the vendor’s pages GoCardless Ltd is a London bank-debit specialist whose captured pages document SEPA Direct Debit across the 36-country zone, euro-denominated only, plus Instant Bank Pay in GBP and EUR. - [Payplug](https://whats-best.ai/software/payment/payplug) · EU-Made · panel rating 1.5/5 · data hosting: not stated on the vendor’s pages Payplug is the payment product of PAYPLUG ENTERPRISE SAS, a French payment institution approved by the ACPR under CIB 16378 and part of BPCE Merchant Services. - [Nexi Checkout](https://whats-best.ai/software/payment/nexi-checkout) · EU-Made · panel rating 1.5/5 · data hosting: not stated on the vendor’s pages Nexi Checkout is an online-payment product from Nexi Germany GmbH, a BaFin-licensed e-money institution in Eschborn. - [wallee](https://whats-best.ai/software/payment/wallee) · UK / wider Europe · panel rating 1.5/5 · data hosting: not stated on the vendor’s pages wallee is a payment platform from Wallee Group AG, Winterthur, Switzerland. ## Other alternatives - [PayPal](https://whats-best.ai/software/payment/paypal) · Rest of world · panel rating 3/5 EU merchants contract with PayPal (Europe) S.à r.l. - [Stripe](https://whats-best.ai/software/payment/stripe) · Rest of world · panel rating 3/5 Stripe's strongest showing is the operational core: checkout and SCA at 7 to 8, recurring billing and settlement and reconciliation at 7, pricing transparency 6 to 8, payment methods 6. - [SlimPay](https://whats-best.ai/software/payment/slimpay) · provenance unknown · panel rating 2.5/5 SlimPay, a French payment institution supervised by the ACPR and registered in the Paris Trade and Companies Register under 518 991 336, is scored by the bench as what the captured pages show: a recurring SEPA collection specialist, part of the Trustly group. - [Ratepay](https://whats-best.ai/software/payment/ratepay) · provenance unknown · panel rating 2/5 Ratepay is a Berlin-based buy-now-pay-later provider offering invoice, SEPA direct debit, interest-free pay-in-3 instalments and prepayment through a hosted, white-label payment page. - [Saferpay](https://whats-best.ai/software/payment/saferpay) · provenance unknown · panel rating 2/5 Saferpay AG (Worldline) is a payment product whose public documentation is strongest at the checkout and thinnest on the money and contract around it. - [Paysafe](https://whats-best.ai/software/payment/paysafe) · provenance unknown · panel rating 2/5 Paysafe's holding entity is UK-based Paysafe Holdings UK Limited; it scores strongest on recurring billing, 5 to 6, and weakest on sovereignty, 1 to 3. - [Trust Payments](https://whats-best.ai/software/payment/trust-payments) · provenance unknown · panel rating 1.5/5 Trust Payments is a payments group judged here on its captured public pages. - [Paytrail](https://whats-best.ai/software/payment/paytrail) · provenance unknown · panel rating 1.5/5 Paytrail Oyj, a Finnish payment provider claiming to be the largest Finnish online payment company, scores highest where its Finnish-market detail is written down: payment methods, recurring billing and settlement and reconciliation each carry a minimum of 4 and maximum of 4, on the strength of nine named Finnish online banks, MobilePay and Siirto, provider-stored card tokens with scheduled charges and seven-day authorization holds, and daily payouts reconciled by order reference and payment stamp. - [SumUp](https://whats-best.ai/software/payment/sumup) · provenance unknown · panel rating 1.5/5 SumUp's captured pages describe a card-first payments provider for in-person and online acceptance. - [Ecommpay](https://whats-best.ai/software/payment/ecommpay) · provenance unknown · panel rating 1.5/5 Ecommpay is a payment provider whose evidence is strongest where subscriptions live and thinnest where regulated checkout and finance demand detail. - [Trustly](https://whats-best.ai/software/payment/trustly) · provenance unknown · panel rating 1.5/5 Trustly's captured pages describe a single-rail payment product — direct bank transfer marketed across 33+ markets — with the only named country list, the United Kingdom, Guernsey, Jersey and Gibraltar, attached to a BACS Direct Debit recurring flow built for North American merchants. - [Przelewy24](https://whats-best.ai/software/payment/przelewy24) · provenance unknown · panel rating 1.5/5 Przelewy24, a payment service from PayPro S.A., scores best on checkout and strong customer authentication, 3-4: 3-D Secure 2.x meeting PSD2 requirements is stated, with four integration options and a demo store. - [Paysera](https://whats-best.ai/software/payment/paysera) · provenance unknown · panel rating 1/5 Paysera LT, UAB earns its strongest scores on payment methods, where scores cluster at 4: the catalogue names each method with its payer countries — cards, Apple Pay and Google Pay worldwide, Baltic and Bulgarian bank links, Revolut across the EEA and GB, and Wise in 77 countries — though no public information appears on SEPA Direct Debit or any DACH or Benelux method. - [Scalapay](https://whats-best.ai/software/payment/scalapay) · provenance unknown · panel rating 0.5/5 Scalapay S.p.A. - [Tpay](https://whats-best.ai/software/payment/tpay) · provenance unknown · panel rating 0.5/5 Tpay is a payment service from Krajowy Integrator Płatności S.A., seated in Poznań, which contracts with merchants and is named as data controller; card acceptance for Apple Pay runs through the acquirer Elavon. - [Worldline Online Payments](https://whats-best.ai/software/payment/worldline-online-payments) · provenance unknown · panel rating 0/5 Worldline Online Payments, a payment offering from Worldline SA, publishes product-level marketing — an "all-in-one online payment solution", acquiring processing for all channels, omnichannel and cross-border payments — plus scale figures of 1.2M+ merchants and financial institutions and 48bn transactions processed. - [Alma](https://whats-best.ai/software/payment/alma) · provenance unknown · panel rating not rated (too little public evidence) Alma SAS is listed in the payment category, but the only captured page describes the company, not its product. - [Klarna](https://whats-best.ai/software/payment/klarna) · provenance unknown · panel rating not rated (too little public evidence) Klarna Bank AB reaches this bench as a payment product whose captured documentation is addressed to payment providers (e.g. Ratings are out of 5 (the panel's mean, half steps). --- Cite as: whats-best.ai, "Checkout.com alternatives — Payment", AI panel analysis, as of 2026-10-21. https://whats-best.ai/software/payment/checkout-com/alternatives