Checkout.com is a global payment service provider focused on high-performance acceptance, acquiring, fraud tools, and money movement.
Macropay is designed for software and AI teams that want payments plus merchant-of-record responsibility, usage billing, and tax operations in one product.
| Area | Macropay | Checkout.com |
|---|---|---|
| Published pricing | 4.5% + 50¢ per transaction, all-in | Custom pricing based on business profile and risk |
| Product category | AI-first Merchant of Record | Global payment service provider |
| Operating model | Merchant of Record by default | End-to-end PSP with acquiring, processing, fraud, and payouts |
| Merchant of record | Macropay for covered transactions | Your business generally remains the merchant |
| Tax calculation & collection | Included for covered transactions | Checkout.com is a payment service provider, not a default merchant of record. Any tax calculation requires your own configured tax stack. |
| Tax filing & remittance | Included for covered transactions | Your business remains responsible for registrations, returns, remittance, and audit support. |
| International & FX | Included in the published transaction price | Contracted acquiring and payment-method fees |
| Billing focus | AI, agents, SaaS, and usage-based products | Enterprise payment acceptance and optimization |
Product scope and eligibility can vary by country and contract. Review Checkout.com's official product information.
A true comparison includes payment fees, tax liability, filing, international sales, billing software, and the people operating the stack.
Per transaction, with the core global revenue workflow included.
Checkout.com does not publish one universal card rate. Your commercial proposal determines processing, acquiring, payment-method, and service costs.
A processor may accept a tax amount at checkout—or connect to a tax calculator—without becoming the legal seller that registers, files, remits, and answers an audit.
Checkout.com: Checkout.com is a payment service provider, not a default merchant of record. Any tax calculation requires your own configured tax stack.
Macropay: Included for covered transactions.
Checkout.com: Your business remains responsible for registrations, returns, remittance, and audit support.
Macropay: Macropay files and remits for covered transactions.
Checkout.com: Your team retains tax registration, filing, and remittance responsibility
Macropay: The MoR is the legal seller for covered transactions.
Model contracted rates by payment method and country, then add the internal and vendor cost of tax and billing operations before comparing totals.
Checkout.com can be the stronger fit when its existing ecosystem, operating model, or payment footprint is central to your roadmap.
Your business generally remains the merchant
Checkout.com is a payment service provider, not a default merchant of record. Any tax calculation requires your own configured tax stack. Your business remains responsible for registrations, returns, remittance, and audit support.
Checkout.com: Custom pricing based on business profile and risk. Macropay publishes 4.5% + 50¢ per transaction, including its Merchant of Record, tax, fraud, dispute, and payout operating layer. Eligibility and contracted terms can vary.
Rates shown are published US or global list prices where available. Region, risk, volume, payment method, product eligibility, and contract can change actual pricing and tax scope. This comparison is not tax advice.
Start with Macropay, or bring an existing catalog and subscriptions with you.
Start free