Last Updated on March 17, 2026 by Ewen Finser
It’s easy to think that it doesn’t really matter which payment processor you go with. But anyone who’s had to live with their bad choice knows otherwise. The truth is, payment processors vary drastically on multiple fronts, including fees, payment methods, integrations, customer support, and the ability to grow and scale along with your business.
So while Luqra and Checkout.com both exist to help businesses process customer payments, that’s about the extent of their similarity.
Here’s a look at how Luqra vs Checkout.com stack up against each other.
At a Glance
Luqra | Checkout.com | |
Best For | E-commerce and in-person payments | Digital-only businesses |
Payment Methods | In-person and online | Online only |
Fees and Pricing | Online: Starting at 2.3% + $0.20 In-Person: Starting at 2.0% + $0.10 Cash Discount Program: $99/mo | Custom pricing based on business profile and risk level |
Growth and Scale | No account limits No daily processing caps | Intelligent acceptance (AI) Customize payment methods to enter new markets |
Integrations | 24 pre-built platform integrations Custom API integration | 90+ pre-built platform integrations Custom API integration |
Fraud Prevention and Detection | Built-in fraud prevention and detection Customizable fraud filters and rules | Built-in fraud prevention and detection Customizable fraud filters and rules Customizable machine learning Back testing Risk profiles |
Business Analytics | Real-time metrics (revenue, refunds, chargebacks) Per-transaction metrics | Real-time metrics Analyze data by card type, payment method, currency |
Target Industries | E-commerce Retail Restaurants Professional services | E-commerce Gaming Travel Marketplaces Fintech/Crypto |
Customer Support | U.S.-based phone support available 24/7/365 Online form | AI agent Online form |
Payment Methods
Luqra
Unlike some of its competitors, Luqra supports both online and in-person payment processing. For in-person payments, it sells hardware like mobile and on-the-go terminals, wired countertop terminals, wireless and smart terminals, and point of sale systems.
Luqra gives you a lot of flexibility when it comes to the payment methods you can accept, supporting Visa, Mastercard, American Express, Discover, Apple Pay, Samsung Pay, Google Pay, JCB (Japan), and UnionPay (China).
Checkout.com
Checkout.com is an online-only payment processor — you can’t use it to collect payments in-person, and it doesn’t sell any payment hardware. However, given how many businesses are now digital-only, it’s still a solid solution for many.
The range of payment methods that Checkout.com supports is highly competitive. You can process payments from customers all over the world, accepting ATM payment, bank transfer, card, cash, digital wallet, direct debit, gift card, voucher, buy now pay later, and account-to-account.
Verdict
If you need to process payments in person, you’d want to go with Luqra over Checkout.com. Otherwise, the two platforms are pretty much tied when it comes to the range of payment methods supported, both inside and outside of the U.S.
Fees and Pricing
Luqra
In general, here are the fees you’d be looking at with Luqra:
- Online: Starting at 2.3% + $0.20
- In-Person: Starting at 2.0% + $0.10
One selling point here is that Luqra advertises “meet or beat” rates, and they promise to never increase your fees. This makes Luqra a low-cost (or at least same-cost) option compared to many other payment processors.
Additionally, if you’d prefer to pass your fees on to your customers, you can sign up for their cash discount program, which costs $99/month.
Checkout.com
Checkout.com doesn’t publicize its processing fees, since they’re customized for each business. However, they offer a few different pricing structures. You can opt for a fully flat rate based on your business profile and risk category, and you can even choose Interchange++ fees. There’s also free payment processing available for registered charities.
Verdict
In terms of transparency and a commitment to keeping prices low, Luqra has the superior fee structure. However, Checkout.com can also work with you to develop pricing that fits your business’s needs.
Growth and Scale
Luqra
Luqra is well-equipped to keep up with your business as you grow. The platform has unlimited scaling, meaning they don’t impose account limits or daily processing caps. They also won’t freeze your account or hold funds due to a sudden spike in volume, since they recognize that the e-commerce industry can be highly volatile at times.
Checkout.com
Checkout.com has several features that can help you scale, with the platform claiming that it’s “built for scale.” One of these features is its Intelligent Acceptance, which uses AI to reduce false declines and result in higher revenue. Additionally, Checkout.com is highly customizable, and its Flow feature lets you quickly add payment methods to expand into new markets worldwide.
Verdict
Luqra’s unlimited processing makes it a great choice for businesses that are ready to rapidly scale. While Checkout.com doesn’t advertise this same selling point, it’s also ready to help you expand into new markets through its adaptability and customization.
Integrations
Luqra
Luqra has 24 integrations, including with platforms like BigCommerce, WooCommerce, Authorize.net, Magento, and Shopify (native). You can use their API to build a custom integration for your website.
Checkout.com
Regardless of which platform you’d like to sync with, it’s likely that Checkout.com has you covered. Checkout.com integrates with over 90 business platforms, including common solutions like Shopify, BigCommerce, WooCommerce, Chargebee, and Recurly. You can also use Checkout.com’s payments API to create your own integration for your website or mobile app.
Verdict
For both pre-built platform integrations and customized API integrations, Checkout.com has the upper hand.
Fraud Prevention and Detection
Luqra
Luqra comes with built-in fraud protection that allows you to set filters and rules to establish minimum transactions, payment velocity settings, location restrictions, and even specific IP bans. They also let you manage fraud filters via their online portal, and they give you real-time, per-transaction notifications to keep you updated on any issues.
Specific to chargebacks, Luqra uses algorithms to block fraudulent transactions. But when they do occur, you’re not out of luck; Luqra works directly with banks and other financial institutions to help you win disputes.
Checkout.com
Checkout.com uses machine learning to detect fraud, but you can also create rules and filters to manually block transactions. Additionally, you can conduct experiments to see the potential effects of a rule before going live with it.
You can also upgrade to their Fraud Detection Pro offering, which comes with customizable machine learning, advanced rule properties, custom metadata, and backtesting. In addition, you can create risk profiles for customers by grouping together multiple rule criteria.
Verdict
Both Luqra and Checkout.com come with strong features for both fraud prevention and detection, including the ability to set custom rules and filters to block suspicious transactions. But Checkout.com seems to have the edge here, with advanced capabilities like risk profiles and backtesting that you can get with Fraud Detection Pro.
Business Analytics
Luqra
Beyond pure payment processing, Luqra can also help you monitor important metrics in real time, such as those related to revenue, refunds, and chargebacks. You can track these on a per-transaction basis too.
Checkout.com
Checkout.com’s dashboard lets you keep an eye on your business’s performance by monitoring acceptance rates, transaction volume, segment performance, refunds, and declines, all in real time. You can also break down data by card type, payment method, and currency.
Verdict
There isn’t a clear winner in this category. Both platforms let you monitor your performance in real time, and they both do it well enough for being payment processors.
Target Industries
Luqra
While Luqra can be an appropriate choice for businesses in a wide range of industries, its main niche is e-commerce. In fact, the company advertises itself as “the first payment processor built specifically for e-commerce.”
As such, Luqra gives you access to support from experienced e-commerce business owners. However, it can also be a fitting choice for businesses in retail, the restaurant sector, or service industries.
Checkout.com
While e-commerce is also one of Checkout.com’s main specialties, it doesn’t have as much of a niche in this area as Luqra does. Aside from e-commerce, some of the other industries that Checkout.com markets itself to are gaming, travel, marketplaces (like gig marketplaces), fintech, and crypto.
Verdict
Since use case isn’t a good or bad thing in and of itself, there’s no real winner here unless you’re in e-commerce — in which case Luqra is the clear standout pick.
Customer Support
Luqra
Luqra’s availability is impossible to beat; you can contact their customer support agents 24/7/365. The main way to get in touch is via phone, but you can also fill out an online form on their site if you have a question or concern.
Checkout.com
There are two ways to get in touch with customer support at Checkout.com: via their AI agent or through their online form. They claim that their AI agent can answer most questions, and it takes only a few minutes to get an answer.
Verdict
For availability and easy access to human support, Luqra is the clear winner here. Checkout.com doesn’t offer phone support at all, so it’s not possible to quickly get in touch with a human. Instead, you’re directed towards their AI agent for most questions.
Which Is Best: Luqra vs. Checkout.com?
Luqra and Checkout.com are both strong payment processors. They’re both well-equipped to keep up with you as you expand into new markets and increase sales volume, but this isn’t a coin flip.
If you need to process in-person payments, Checkout.com won’t be an option, since it only supports online payments. Meanwhile, Luqra supports both online and in-person payments, including selling payment hardware. And if connecting with an actual human support agent is important to you, you’ll likely prefer Luqra. Finally, if you’re in e-commerce specifically, this is the overall clear winner.
There are some areas where Checkout.com has the edge, though, such as integrations and fraud analytics. If you don’t need to process in-person payments and you want these advanced capabilities, Checkout.com is definitely worth a look.