2Checkout Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

2Checkout is best suited for online businesses, eCommerce, SAAS, and other related industries.

Specializes in

2Checkout is an online payment processor that allows merchants to accept payments from buyers anywhere in the world. It is similar to Paypal or Stripe in how it functions, with a few key differences, such as not requiring an account from the customer.

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: (3.5% + $0.35); (4.5% + $0.45); (6% + $0.60)

Keyed-in Rate: (3.5% + $0.35); (4.5% + $0.45) (6% + $0.60)

Early Termination Fee : $0

Contract Terms:

No Contract Required Month-to-month
Visit 2Checkout

Iex Hart founded 2Checkout in 2006. It's headquartered in Atlanta, Georgia, and employs 294 people. It's not a registered ISO of any bank, and it mainly services online businesses and various types of eCommerce. 

2Checkout Overview


2Checkout was founded in 2006. Its purpose is to allow merchants to take payments from both their home country as well as abroad. The difference between it and sites like Paypal or Stripe is that no account is necessary to be created on the customer's side: they can pay with a debit or credit card and then be on their way.
2Checkout offers three different pricing plans depending on what a merchant needs, but the model itself is interchangeable. 2Checkout has a positive industry reputation overall, raking in four-star-and-above reviews on most websites. Most complaints that 2Checkout deals with have to deal with the freezing and withholding of funds.Its industry focus is solely on online businesses and eCommerce.

Quick Facts

Head Quarters

Atlanta, GA

Year Founded



lex Hart



Merchant Provider Risk Tolerance

What We Like

Predictable flat-rate pricing

Month-to-month agreement

Ideal for international merchants

Excellent website & advertising

What We Don't Like

Not suitable for card-present merchants

Held funds

Not good for high-risk merchants

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gas Station
  • Personal Service
  • SAAS
  • Thrift Store

Business Types Served

  • Ecommerce
  • Low Risk
  • Mobile
  • Mom & Pop
  • Non Profit
  • Online
  • Small Business
  • Subscription / Continuity
  • Wholesale

2Checkout Products & Services


Point 1: Software/SAAS Sales Assistance

2Checkout assists with software sales by helping with sales funnels. It uses prebuilt payment systems and merchant/tax relationships to help sell in over 200 countries worldwide. It also offers partners to help increase your traffic and grow your revenue at a faster pace.

Point 2: All-In-One Digital Monetization Platform

2Checkout totes itself as the all-in-one digital monetization platform for online businesses. Its system allows you to set yourself up fast, in minutes, and immediately begin accepting payments. The use of many of its tools, like pre built templates, will enable you to try out different kinds of pricing plans and new revenue streams.

Point 3: Shopping Cart Integration, Various QOL Features

2Checkout also offers various QOL features, such as shopping cart integration with over 120+ online shopping carts. Other QOL features include smarter payments and account updaters, making it easier to focus on business and less on how exactly the money is getting from there to here.

2Checkout Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Virtual Terminal

2Checkout Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

2Checkout Advertising & Sales

2Checkout has some of the most honest advertising and marketing in the industry of payment processing and credit card processing companies. All of the pricing and rates are displayed, and nothing is left up for the merchant to find out as if researching is their job instead of business. Not only that, but what each plan gets you and what the products and services offered are also clearly detailed and displayed. 2Checkout doesn't have many complaints about its marketing or advertising. It doesn't use any independent resellers (whether individual agents or entire organizations) and has an immaculate advertising model through the simple use of affiliates and traditional online advertising. Compared to most companies in the world of merchant account providers, this is squeaky clean.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


2Checkout Pricing, Rates & Fees


2Checkout offers three different pricing plans that are all displayed. The rate is easily visible, and there is no misdirection or misrepresentation. The three plans have the following interchange-plus rates: 

  • 2Sell at 3.5%+$0.35 

  • 2Subscribe at 4.5%+$0.45 

  • 2Monetize at 6.0%+$0.60. 

All of the rates listed are per successful sale. While the pricing is higher than average in the merchant account provider world, some merchants may find the transparency and honesty to be worth the price and more.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

(3.5% + $0.35); (4.5% + $0.45); (6% + $0.60)

Keyed-in Rate

(3.5% + $0.35); (4.5% + $0.45) (6% + $0.60)

Mobile Payment Rate

Virtual Terminal Rate

(3.5% + $0.35); (4.5% + $0.45) (6% + $0.60)

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

2Checkout Contract & Terms

2Checkout offers a month-to-month deal for most users. This deal contains no early termination fees, so merchants can always drop their deal or renegotiate something more beneficial to them if they want to. There are very few complaints about 2Checkout's contract and the terms within it. No outstanding issues or repeated complaints have been noted.

Contract Length

No Contract RequiredMonth-to-month

Early Termination Fee


2Checkout Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • In Person
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

2Checkout Complaints, Ratings & Reviews

2Checkout has a rather extensive list of complaints against it. The majority of these complaints, and the most common outstanding issue in general, has to deal with frozen funds. On BBB, 2Checkout is rated 1 out of 5 stars based on 16 reviews. Fifty-nine complaints were closed in the last three years, and 27 were closed in the previous 12 months.

Most websites tend to give 2Checkout 3.5 out of 5 stars or better when it comes to rating. These ratings tend to be based on hundreds of reviews and are reasonably accurate. Trustpilot, for example, has 2Checkout at 3.7 out of over 1500 reviews. 

There are no lawsuits against 2Checkout at this time, class-action or otherwise. The company also has no history of past litigation.



A+(54 complaints)


1 Star / 2 Reviews


No Reviews yet


1 Star / 3 Reviews


Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks


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