2Checkout Assessment 2021: Options, Price, Options – NerdWallet


2Checkout is an all-in-one monetization platform recognized for its world fee choices and plug-and-play options for small-business house owners. When you’re on the lookout for an all-inclusive supplier with particular e-commerce instruments — particularly for digital items and subscriptions — and worldwide capabilities, 2Checkout may be a supplier to contemplate. Nevertheless, with the entire different fee processing choices available on the market, you additionally may be capable to discover a service with comparable performance to 2Checkout at a decrease price.

2Checkout is a fee processor that provides quite a lot of options for e-commerce companies. With 2Checkout, you’ll be able to simply settle for on-line funds from all around the world, select the fee car that works greatest for what you are promoting and acquire beneficial monetary insights via its Avangate monetization platform. As a service provider service supplier, 2Checkout affords two versatile enterprise fashions — a service provider of file mannequin and a fee service supplier mannequin.

With the service provider of file mannequin, 2Checkout serves as your service provider of file, primarily which means that it assumes monetary legal responsibility for what you are promoting in your transactions. As such, 2Checkout handles not solely on-line bank card processing, but in addition gross sales tax administration, invoicing, compliance and extra. The fee service supplier mannequin, however, signifies that though what you are promoting makes use of 2Checkout for fee processing, you will need to cowl the opposite fee administration liabilities and tasks your self. When you finally resolve to make use of 2Checkout, you’ll be able to work with its gross sales workforce to resolve which of those choices (or a hybrid of the 2) is greatest for what you are promoting.

No matter which enterprise mannequin you select, 2Checkout affords three product plans and the complete vary of fee processing capabilities inside their monetization platform.

2Checkout offers quite a lot of fee processing functionalities designed particularly for on-line companies. The precise companies out there from 2Checkout finally rely on which product plan you select, however on the entire, this service provider service supplier affords the next options:

International funds

2Checkout means that you can settle for bank card funds on-line, in addition to a number of different fee strategies. In america, 2Checkout offers you the power to simply accept all main bank cards, Apple Pay, ACH transfers, PayPal and extra. Altogether, 2Checkout has protection in over 200 nations and territories and accepts over 45 completely different fee strategies.

Moreover, 2Checkout is on the market in over 30 languages and affords 100 show and billing currencies. With 2Checkout, due to this fact, clients can store of their language, pay with their most popular strategies and see costs of their native currencies. Moreover, 2Checkout makes use of clever fee routing and multi-currency administration instruments to extend conversion and authorization charges for you and your clients.

Digital commerce

As a way to meet your e-commerce enterprise wants, 2Checkout affords completely different checkout choices that you should use in your web site. These choices can accommodate every kind of merchandise and fashions — together with digital items, software program, trials, subscriptions and selling through affiliates or distributors.

That being stated, 2Checkout has two purchasing cart choices: a hosted cart and an inline cart. The hosted cart, because the title suggests, is hosted by 2Checkout and directs clients to pay via its ordering engine. You may select from a handful of hosted cart templates and additional customise them for what you are promoting. The inline cart, however, is an iFrame checkout that opens in your web site and permits clients to take a look at straight from there. Each carts are optimized for cellular units.

2Checkout offers you the power to make use of its APIs to develop and customise your purchasing cart additional, whether or not for easy ordering, in-app purchases, renewals or upgrades. If you have already got purchasing cart performance via your e-commerce platform, you can combine straight with 2Checkout as a fee gateway. 2Checkout integrates with over 100 of the highest purchasing cart platforms like BigCommerce, Magento, Shopify and WooCommerce. The 2Checkout APIs can even connect with different third-party enterprise instruments like Salesforce and Marketo.

Supply: 2Checkout

Subscription billing

Along with the purchasing cart performance, 2Checkout affords instruments to help subscription-based companies. Utilizing 2Checkout, these companies can handle the whole subscription lifecycle by promoting throughout channels, onboarding customers, managing upgrades and downgrades and boosting renewals and buyer retention.

2Checkout additionally offers Income Restoration instruments to advertise enterprise and income progress. These instruments embody an account updater to make sure billing continuity for subscriptions and enhance card authorization charges, superior retry logic to recuperate failed transactions resulting from mushy declines and dunning administration to recuperate income from exhausting declines.

Reporting and analytics

The 2Checkout monetization platform features a commerce dashboard the place you’ll be able to entry prompt insights and information relating to your gross sales, traits, clients, funds and extra. Your 2Checkout dashboard offers you the power to view pre-configured in addition to customizable reviews masking all areas of what you are promoting — monetary, govt, advertising and marketing, channels, analytics and subscriptions. With the commerce dashboard, you’ll be able to automate report runs and have them shared frequently through e mail. Moreover, you’ll be able to carry out A/B testing, run promotions and campaigns, provide coupons and reductions, optimize for search engine marketing and observe on-page and in-cart buyer conduct.

2Checkout has superior reporting capabilities for subscription companies. These instruments can generate reviews for month-to-month or annual recurring income, renewal and churn charge, lively clients and subscriptions and extra. Moreover, you should use the 2Checkout Authorization and Income Restoration Dashboard instruments to scale back churn and recapture extra subscribers.

International tax and monetary companies

When you select 2Checkout’s service provider of file enterprise mannequin, you’ll obtain sure monetary and fee administration advantages. On this case, 2Checkout handles your gross sales tax, VAT administration, worldwide taxes and remittance. 2Checkout can even deal with refunds and chargebacks, in addition to reconciliation, invoicing, fraud monitoring and world compliance. Basically, with the service provider of file mannequin, 2Checkout covers the entire back-office operations related along with your fee processing and buyer transactions.

Danger administration and compliance

2Checkout’s service contains threat administration and compliance capabilities to assist shield what you are promoting. 2Checkout makes use of a multi-defense technique via its proprietary algorithms to establish fraudulent exercise via completely different industries and geographies. 2Checkout employs a worldwide monitoring system from a number of websites and ensures that its anti-fraud mechanisms intrude as little as potential with good orders. Moreover, 2Checkout is 3D Safe and PCI Degree 1 licensed.

Service provider and shopper companies

2Checkout offers help companies for you and your clients. Clients have entry to 24/7 worldwide cellphone and e mail help for order and fee points. With 2Checkout, you can too create a self-service portal on your clients, branded particularly to what you are promoting. For retailers, 2Checkout affords 24/7 technical help via dwell chat and e mail, in addition to a devoted shopper success supervisor. The 2Checkout web site contains assets like a developer portal, information base and FAQs. For a further price, premium service provider help can be out there, with emergency cellphone numbers and prolonged technical help.

2Checkout has three product plans — 2Sell, 2Subscribe and 2Monetize.

2Sell is 2Checkout’s most simple plan and is designed for every kind of e-commerce companies. The 2Sell plan contains:

  • 9 fee strategies (others out there upon request).

  • 100 billing currencies and 29 checkout languages.

  • Purchasing cart and order administration (inline cart upon request).

  • Recurring funds and billing.

  • Digital and bodily product help.

  • Enterprise intelligence reporting.

  • Cart internet analytics upon request.

  • Danger and fraud safety instruments.

  • Purchasing cart integrations.

  • E-mail, chat and phone type buyer and service provider help.

The following plan, 2Subscribe, options the entire capabilities of 2Sell, in addition to these further subscription, reporting and income optimization talents:

  • Renewal reductions and pricing guidelines.

  • Utilization and metered billing.

The ultimate plan, 2Monetize, is an all-in-one answer for digital items solely. This plan options the entire features of 2Subscribe, except bodily product help. Plus, the 2Monetize plan additionally contains:

  • Upgrades and downgrades for billing.

  • International VAT and gross sales tax gathering and dealing with.

  • Trials for income optimization.

  • Third-party options for cart internet analytics.

  • Affiliate community and channel administration for distribution.

To see a side-by-side breakdown of the three plans, you’ll be able to go to the characteristic comparability chart on the 2Checkout pricing page.


2Checkout affords supplemental companies that may be added on to particular product plans (at related prices) to additional enhance your fee and e-commerce capabilities. These 5 companies embody:

  • 2Convert: This add-on offers instruments to assist enhance conversion charges and is on the market for the 2Sell and 2Subscribe plans. 2Convert functionalities are already included within the 2Monetize plan.

  • 2Bill: The 2Bill add-on offers you prolonged subscription administration capabilities which might be included within the 2Subscribe and 2Monetize plans. Subsequently, this add-on is simply provided for the 2Sell plan.

  • 2Comply: So as to add tax and VAT dealing with, in addition to compliance administration, you should buy the 2Comply add-on for the 2Sell or 2Subscribe plan. It’s necessary to notice these functionalities are solely appropriate with digital items.

  • 2Partner: The 2Partner add-on is simply out there for the 2Monetize plan and permits for elevated channel and affiliate distribution and automation.

  • 2Service: For premium companies and devoted help, you should buy the 2Service add-on for any of the three 2Checkout product plans.

The price of 2Checkout will finally rely on which of the three plans you select. 2Checkout operates on a flat-rate pricing construction with nearly all of commonplace fee strategies costing the identical flat charge per transaction. Some localized funds although, like Boleto Bancario and Kombini, have separate pricing factors.

2Checkout’s first plan, 2Sell, prices 3.5% plus 35 cents per transaction. The following plan, 2Subscribe, prices 4.5% plus 45 cents per transaction, and the ultimate plan, 2Monetize, prices $6.0% plus 60 cents per transaction. If what you are promoting has a excessive gross sales quantity, you’ll be able to speak to the 2Checkout gross sales workforce a couple of custom-priced enterprise answer. These prices, nevertheless, are solely 2Checkout’s bank card processing charges — which means they’re the fees you incur to course of funds with 2Checkout. In particular nations, there may be an added 2% payment to simply accept funds from worldwide buyers. Aside from these transactional charges, 2Checkout doesn’t cost a month-to-month subscription payment. It additionally doesn’t cost charges for fraud safety or recurring funds.

There are a number of locations the place you’ll face further charges when utilizing 2Checkout. First, you’ll should pay charges for chargebacks. 2Checkout has fastened or threshold-based chargeback charges relying in your service settlement with them. Moreover, when you want superior onboarding help or buy one of many 2Checkout add-ons, you’ll should pay the related prices for these companies. 2Checkout doesn’t specify these prices on its web site — you’ll should contact its gross sales workforce for extra info.


Number of choices for on-line companies

2Checkout permits retailers to simply accept quite a lot of completely different strategies and currencies. 2Checkout additionally offers you a number of methods to combine its answer along with your on-line retailer — from hosted purchasing carts to customizable APIs to third-party e-commerce platform integrations — relying on what works greatest for what you are promoting. Along with its fee processing choices, 2Checkout affords an unlimited characteristic set of e-commerce instruments to not solely assist companies enhance their authorization charges and income but in addition maximize the expansion and success of their operations.

Worldwide attain

If you wish to develop your on-line enterprise throughout borders, 2Checkout offers you with the fee instruments to take action. It means that you can settle for completely different fee strategies and currencies — and likewise a number of checkout languages. Moreover, when you work with 2Checkout as your service provider of file, it should enable you deal with VAT taxes and worldwide compliance. Moreover, its flat-rate pricing construction throughout nations makes utilizing its service easier when you’re doing enterprise all over the world. Though there’s a 2% payment for sure nations to simply accept funds from clients exterior your nation, 23 nations are excluded from this cost, together with america.

What customers say

There are numerous 2Checkout opinions throughout the web, together with a considerable quantity of shoppers who’re extraordinarily dissatisfied with their service. Nevertheless, there are additionally customers who’ve had a optimistic expertise with this on-line fee processor. In these opinions, clients say that it’s straightforward to combine 2Checkout with their e-commerce retailer, the checkouts are easy for purchasers and the interface is usually user-friendly. Moreover, optimistic opinions typically point out the number of fee acceptance choices and e-commerce instruments, the pliability of the platform and the worldwide attain of 2Checkout.


Though 2Checkout affords easy, flat-rate pricing that covers a number of fee strategies throughout borders, if you evaluate its service to fee processing rivals available on the market, its charges appear excessive. For example, Sq. charges are 2.9% plus 30 cents per transaction for e-commerce shops, in comparison with the three.5% plus 35 cents for 2Checkout’s 2Sell plan. Moreover, like 2Checkout, many different processors lack month-to-month, compliance and different charges, however usually, these fee processing choices have decrease transaction charges.

Damaging consumer opinions

There’s an abundance of damaging 2Checkout opinions on-line, which might be regarding. The vast majority of these damaging opinions concentrate on a number of factors: the holding of funds, accounts being canceled or rejected and customer support relating to service points. Sadly, funds holding and account cancellations — typically with little or no discover — is a standard downside with fee service suppliers.

Though these suppliers can provide you comparatively fast entry to fee processing, in addition they reserve the fitting to assessment your account and take motion in the event that they decide you to be a “high-risk service provider.” Occurrences like frequent chargebacks, fraudulent transactions and weird gross sales quantity are only a few of the the explanation why a supplier like 2Checkout may resolve to carry your funds or terminate your account altogether.

This doesn’t imply that the damaging buyer opinions are unfounded. To stop a majority of these points, it’s greatest to totally assessment 2Checkout’s sales guidelines, in addition to any service provider or service settlement that you just obtain. It’s maybe extra worrisome that many of those 2Checkout opinions from customers report customer support points once they attempt to attain out relating to their account and funds. Basically, clients say that regardless of quite a few makes an attempt to speak to 2Checkout help about their account issues, they’ve acquired no response or insufficient help.

Options to 2Checkout

With the entire fee processing choices out there to what you are promoting, you’ll need to discover 2Checkout options earlier than making a last resolution. Listed below are two value contemplating:


Maybe one of the recognizable names in fee processing, Stripe affords quite a lot of fee choices and is thought for its customizable growth instruments. Like 2Checkout, Stripe means that you can settle for a number of fee strategies and currencies and create an built-in answer that works greatest for what you are promoting. With Stripe, you’ll be able to develop your individual fee type, use its embeddable checkout or combine utilizing Stripe API. Stripe additionally contains enterprise operations instruments and affords its personal add-ons in addition to third-party integration choices.

Stripe prices 2.9% plus 30 cents per transaction and doesn’t require a subscription or different further charges. Though not as specified for e-commerce and digital merchandise as 2Checkout, Stripe affords most of the identical features at a less expensive per-transaction price.


For an possibility that provides fee processing with a devoted service provider account (which Stripe doesn’t), you may contemplate Braintree. Braintree offers your e-commerce enterprise the power to simply accept a number of fee strategies from main bank cards to cellular wallets. Braintree additionally operates in over 130 currencies and over 45 nations. Moreover, whether or not for desktop or cellular, Braintree has customizable checkout choices. You need to use its drop-in UI or tailor your individual expertise with its {custom} UI providing. Braintree affords third-party integrations with high e-commerce suppliers, in addition to different enterprise instruments.

With a Braintree account, you have got entry to its fraud and reporting instruments, recurring billing and integration help. Braintree, like Stripe, prices 2.9% plus 30 cents per transaction and doesn’t have minimums or month-to-month charges. Braintree affords most of the identical fee functionalities as 2Checkout however at decrease transaction charges. When you’re on the lookout for the safety related to a devoted service provider account, Braintree may be a worthy possibility for what you are promoting.

A model of this text was first revealed on Fundera, a subsidiary of NerdWallet.


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