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E-Commerce · head to head

Checkout.com vs Swell Commerce

Checkout.com logo

Checkout.com

E-Commerce

Your business deserves tailored pricing based on your needs

From
On request
Rated
-
Full reviewWebsite
Swell Commerce logo

Swell Commerce

E-Commerce

Headless ecommerce for modern brands

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Checkout.com no rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales; Swell Commerce each plan carries an annual revenue ceiling, and exceeding it is charged as a percentage of the excess: 2 percent on Starter down to 0.4 percent on Unlimited
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Checkout.com and Swell Commerce actually diverge.

Attributes where Checkout.com and Swell Commerce differ
AttributeCheckout.comSwell Commerce
Starting priceOn request$29/month
Pricing modelquotesubscription
FoundedUnknown2019

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (E-Commerce).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Checkout.com

Nothing recorded that Swell Commerce does not also cover.

Only in Swell Commerce

  • Headless architecture
  • GraphQL & REST APIs
  • Subscription commerce
  • Multi-currency support
  • Inventory management
  • Custom checkout
  • Webhook integrations
  • Developer-friendly SDK

What people use each for

The jobs each tool is most often brought in to do.

Checkout.com

  • Processing card payments across 150+ currenciesnot Swell Commerce
  • Taking domestic payments in 45+ countriesnot Swell Commerce
  • Interchange plus plus processing for a business that wants itemised card association and processor costsnot Swell Commerce

Swell Commerce

  • Running a headless commerce backend with APIs for a custom storefrontnot Checkout.com
  • Selling subscription products alongside one off purchasesnot Checkout.com
  • Operating multi currency stores from one commerce backendnot Checkout.com

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Checkout.com

  • No rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales
  • Both a flat rate and interchange plus plus are offered without either being quoted, so a buyer cannot tell which model they will be given
  • Every route to a number runs through the sales team

Swell Commerce

  • Each plan carries an annual revenue ceiling, and exceeding it is charged as a percentage of the excess: 2 percent on Starter down to 0.4 percent on Unlimited
  • Starter at $29 a month allows 2 admin users and includes only 100,000 API requests and 1GB of storage per month
  • Additional API requests cost $5 per 100,000 and extra storage $5 per GB
  • Role based permissions and developer support are restricted to the Unlimited plan at $2,250 a month
  • Advanced reports and priced currencies require the Standard plan or higher
  • Published prices are the billed yearly rates, so monthly billing costs more

Pricing, plan by plan

Checkout.com

On request

No published plan breakdown. See the Checkout.com review.

Swell Commerce

$29/month
  • Starter$29/month
    • Up to $50K annual revenue
    • Basic reports
    • Up to 5 admin users
  • Basic$79/month
    • Up to $250K annual revenue
    • Most popular plan
    • Basic reports
  • Standard$299/month
    • Up to $1M annual revenue
    • Advanced reports
    • Up to 15 admin users
  • Unlimited$2250/month
    • Up to $5M annual revenue
    • Unlimited scalability and granular control
    • Unlimited admin users

Which should you pick?

Choose Checkout.com if

Nothing in the data separates Checkout.com from Swell Commerce on the points above - pick on price and on how each one feels to use.

Checkout.com review

Choose Swell Commerce if

  • You need headless architecture.
  • You also want graphql & rest apis.
Swell Commerce review

Questions people ask

Is Checkout.com or Swell Commerce better?
Neither clearly leads. Checkout.com starts at On request and Swell Commerce at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Checkout.com or Swell Commerce?
Checkout.com starts at On request and Swell Commerce at $29/month.
Does Checkout.com or Swell Commerce run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Checkout.com best used for?
Checkout.com is most often used for processing card payments across 150+ currencies, taking domestic payments in 45+ countries, interchange plus plus processing for a business that wants itemised card association and processor costs. Of those, processing card payments across 150+ currencies and taking domestic payments in 45+ countries are not what Swell Commerce is typically brought in for.
What can Checkout.com do that Swell Commerce cannot?
Swell Commerce covers Headless architecture, GraphQL & REST APIs, Subscription commerce, Multi-currency support.

Answered from the vendors’ own pages

Checkout.com: How is Checkout.com pricing structured?

Checkout.com offers flat-rate pricing based on your business profile and risk category. They also provide interchange++ pricing model showing transparent card association and processor fees. No setup fees, account maintenance fees, or surprise charges are applied.

Source
Swell Commerce: How much does Swell Commerce cost?

Swell offers four tiers starting at $29 per month for Starter and going up to $2,250 per month for Unlimited. Annual billing provides a 25% discount compared to monthly billing. All prices are in USD.

Source
Checkout.com: Does Checkout.com offer pricing for nonprofits?

Yes, Checkout.com provides free payment processing for registered charities in countries where they operate. Contact their sales team to verify eligibility and activate the charity program.

Source
Swell Commerce: What are Swell's revenue tier overages?

Each plan includes a revenue ceiling based on 12-month trailing sales. Starter allows up to $50K with 2% overage, Basic allows $250K with 1.5% overage, Standard allows $1M with 1% overage, and Unlimited allows $5M with 0.4% overage. Custom plans are available for merchants exceeding $10M annually.

Source
Checkout.com: What support is included in Checkout.com pricing?

All plans include dedicated account management, risk and fraud management tools, and integration support at no additional cost.

Source
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