2Checkout Review: The AI Solution for Seamless Online Payments

I have been working on my new SAAS EasySendy Drip for the last 4 months. Honestly, it has been a wonderful experience selling the drip follow-up communication for growing businesses. While working on EasySendy, I got the chance to explore some great options beyond PayPal payments. I have been using PayPal for around a decade now for collecting payments from online customers. However, all the payments I have received till now have been a one-time payment from my customers.

Use 2Checkout to Collect Recurring Credit Card Payment Globally - 2Checkout Review

As EasySendy started growing, I went ahead looking for other payment options wherein I can collect payments on a monthly recurring basis. With this need in mind, I had to search for new options because PayPal has certain limitations, such as:

  1. Currently, Paypal does not accept India to India Payment. Hence, I faced restrictions when I wanted to sell my service in India.
  2. I wanted to accept Credit Card payment directly from the customer, but sadly Paypal is little confusing to some customers.
  3. I wanted to have a dashboard to manage all my received payments with invoice and refund options, invoicing, but PayPal does not easy to use dashboard for all these.

Hence, I started looking for other PayPal alternatives. While searching, I came to know about Stripe, Payoneer, authorize.net, Braintree and many more. It is important for me to mention here that cards that add 3D secure gateways to enhance the security of the cardholdersare also unable to allow recurring payments for any online services. Digging deeper, I came to know that in India, according to RBI guidelines, you / business cannot accept recurring payments.

So, at the end, I was left with the only option of getting support from Payment Gateway Providers who can provide service outside from India, or registering a business outside India in order to use the Banking facility that can operate in sync with the payment gateway provider.

Looking around the web for options, I decided to analyse Stripe and Braintress, which is also from PayPal. They support very close integration with a website but unfortunately they are not present in India. This means, to use them, I need to register a company outside India. I surfed more and more. I decided to checkout other payment gateway options like authorize.net and 2Checkout. I had read 2Checkout review in some blogs that 2Checkout has very strict policy for approval and their rejection rates are on a higher side. However, I took the plunge and applied to 2Checkout with all the details.

2checkout logo

Features Review of 2Checkout:

2Checkout is a payment gateway that accepts payments from any device and from any corner of the world. It supports “transaction from 196 countries, through 8 payment methods, 26 currencies and 15 languages”. 2Checkout has emerged to become all-integrated payment gateway, enabling businesses to collect payments from their global audience. Very recently, 2Checkout joined hands with FreshBooks to bring new online payment options for small businesses.

It is very hard to build a business, scale it up and sell to the global audience- all at the same time. 2Checkout’s unique features make it easy to reach out globally and sell your product. Here are the features, which attracted me to apply for 2Checkout:

Simple Checkout process:

The checkout process plays a pivotal role for your customers to decide whether they want to proceed to the gateway or return from there. If the process is very complicated, chances are high that your customers will leave it mid-way. 2Checkout makes sure the checkout process is extremely hassle free and simple. The Inline and Standard checkout process are designed in such a way that customers can purchase in a click. Moreover, the interfaces can be customized and it adapts the device your customer is using while checking out.

2checkout standard payment gateway - 2Checkout Review

Standard Checkout: This displays the checkout pages on the basis of the buyers’ device while maintaining your brand settings. This is a great option for sellers who have few products. Features are:

  • Available in 15 languages, 20+ currencies and 8 Payment methods
  • It is Customizable
  • PCI security enabled
  • Fraud Prevention
  • Responsive design

Inline Checkout: This is a simple payment form that lets your customer experience the UI of being on your website while providing with all the advantages of a hosted checkout solution. This option is best for sellers who have an advanced cart functionality. Features included are:

  • All of Standard Checkout
  • Overlay Payment form
  • Quick checkout with less fields to fill in

simple cehckout process - 2Checkout Review

Every Transaction is Protected and Safe:

Given the random news on security threats, it is of high concern for your customers that their personal data are safe when they are checking out online. 2Checkout takes caution and has PCI Level 1 Compliance which is by-far the highest level in the industry.

safe transactions - 2Checkout Review

The PCI compliance protects your customers from any kind of online threats. 2Checkout has redundant data centers that store and encrypt millions of credit cards, ensuring that your customers need not worry about their credit card security. Along with protecting your customers’ data, 2Checkout also ensures fraud prevention with its three tier strategy. This strategy uses more than 300 variables to identify any fraud. They use algorithms and data collection techniques which are customized according to industries and geographies.

On-the-go Sales Management:

2Checkout is any device compatible. This means that you can manage your sales, refunds, online payments, and other account details while you are on a move. The app is available in Apple App Store as well as Google Play Store. By creating an API login userID and password, you can access 2Checkout on your phones, tablets and laptops as well.

2checkout-mobile-apps - 2Checkout Review

  • Helps you to stay updated about every sales activity
  • Identify any specific pattern to your sales on your iPad and work on it
  • Features like reviewing payments, details of each sales/refunds and sending invoices to customers are available on your iPad
  • You can also interact with your customers by commenting on sales, or emailing them, or notifying them of an update.

Choose your own cart:

2Checkout supports almost all carts integration, including Shopify, WooCommerce, WP eCommerce, OS Commerce, Open Cart, Magento and many more. So you can choose the cart that works for you best.

shopping-cart-integrations - 2Checkout Review

Recurring billing:

2Checkout supports recurring subscription transactions. By recurring transactions, it means that instead of charging your customers one time, you let your customers pay the price in a set interval (usually on a monthly basis) wherein your customer pays you a pre-fixed amount every month, weekly, bi-weekly, or annually. The payment continues till the buyer does not cancel the service.

collect-recurring-payments - 2Checkout Review

You can avoid 3rd Party cart:

If you are planning for a very simple process, then you can directly create product list inside 2Checkout dashboard and put relevant product buy button on the website. For this opt for 2Checkout’s Buy button to add purchase links to your website.

Simple and Flat Transaction Fees:

2Checkout conducts a transparent pricing fees over transactions. For each country, it has the payment and percentage fee applicable mentioned clearly on the website. For instance, for India, it is 3.9% and 45¢ [$0.45] per successful transaction.

  • You pay only for what you use. There is no separate fees for security measures of fraud prevention. Also, no amount is incurred for setting up 2Checkout.
  • You can opt for any of the options that work best for you to receive money – bank transfer, international wire transfer, PayPal or Payoneer Master card. Make sure you go through the International Seller Services Agreement.
  • 2Checkout takes a lot of caution to prevent any frauds. However, in case of a chargeback, a fee of $25 is charged.
  • Your customers can pay via credit cards, debit cards or Paypal. There are no additional fees for any of the above payments choices.
  • If your customers are outside India, then you are charged 1.5% fee applies to all payments you receive from them.
  • To get the payment converted to your home currency, an average fee of 2-5% above the daily bank exchange is applicable.

2checkout-transaction-charges - 2Checkout Review

Comparing Other Alternatives to 2Checkout:

A product review is often deemed incomplete without a direct comparison with its alternatives. So, I will give you a brief overview of the few alternatives of 2Checkout and try to weigh them against 2Checkout.

2Checkout vs PayPal

PayPal is a well known online payment gateway which allows people to send money without having to divulge financial information. It has over 110 million active accounts and supports 25 currencies across the globe.


In terms of gateway features, support and security features, both are at par. However, when it comes to cart integration, 2Checkout takes the lead. There are many ways in which PayPal takes the limelight-

  • It supports American Express rate
  • Qualified and nonqualified rates for Visa/masterCard for PayPal is 2.90%+$0.30 while for 2Checkout it is 3.9%+$0.45
  • Again, PayPal does not support payment via Diners and JCB unlike 2Checkout.

As of first quarter of 2015, PayPal had an active registered accounts of 165.2 million, reported by Statista.

Although PayPal might be less expensive, it does not support concurrent payment which 2Checkout does. This has been the primary reason I tried 2Checkout. Few of the merchants who accept PayPal payments are eBay, Expedia, Victoria Secret and many more.

2Checkout vs Stripe

Stripe is a simple way to accept payments online through debit / credit card directly. Stripe is built for developers and is used by Kickstarter, Instacart, Twitter, Shopify, and many such names. Both Stripe and 2Checkout have similar pricing rates.


On comparing Stripe and 2Checkout-

  • 2Checkout accepts PayPal while Stripe does not.
  • Stripe is not compatible on Apple Devices unlike 2Checkout
  • 2Checkout serves more countries than Stripe
  • Stripe is specifically for developers

2Checkout vs authorize.net

authorize.net logo

The Authorize.Net payment Gateway offers many value added services and is available 24/7. It is another alternative to 2Checkout. On doing a comparison between the two:

  • Security features like AVS and CCV are not available on Authorize.Net
  • Authorize.Net has a fees of +$0.10 in comparison to 2Checkout’s 4.40% + $0.45
  • PayPal acceptance not available on Authorize.Net
  • It is available only in English unlike 2Checkout. Thus, it supports only USD currency

Now that we have an overview of 2Checkout and its alternatives, I will now tell you how to apply to 2Checkout.

Recently, I wrote a comparison review of Payoneer vs PayPal payment gateways.

How to Apply at 2Checkout?

When you start your application process at 2Checkout, they will need a lot of information about you and your company, if you have a company registered.

These are the details which they need during application:

  1. Personal detail of the applicant
  2. Detail of the business. Fill them accordingly; for any Sole proprietorship, partnership or company.
  3. Detail of the Company, if you are opening an account to collect payment in your registered company bank account.
  4. Photo ID, PAN Card and address proof. You can upload the scanned copy easily.

After you have added the above details, your application will go to the account verification department at 2Checkout, and an account manager will be assigned to you. You will get all the details in your registered email.

For my account, verification was done over phone call within 24 hours and the team asked for other relevant details as well. They confirmed everything and finally welcomed me on their platform to help me collect payments online easily.


After you are approved to sell, you can test the payment processing on your website in Sandbox mode. And once you are ready to go live, just switch off the sandbox mode and you will be ready to collect payments. In my case, I used JotForm with preconfigured 2Checkout integration to build the checkout page for EasySendy. This integration took around 40 minutes to complete the process.


Collecting 2Checkout Payout with Bank or Paypal

After you are all setup to sell online through 2Checkout, you can configure everything easily inside your merchant account dashboard. To receive the payments / payouts to your Bank account, you can easily add your local bank account, and also configure Paypal account, incase the payment in Bank account fails.

I have configured my local Bank account with weekly payments. This enables me to collect the payments to my Bank account smoothly.

I would recommend 2Checkout to everyone who wants to provide their customers recurring billing subscriptions. It is easy and hassle free.

Ankit Prakash

Ankit Prakash

Ankit is a seasoned technology entrepreneur and founder of Aritic and EasySendy. With over 10 years of experience building product-led B2B SaaS companies, he is focused on ambitious goals and bringing innovative platforms to market. As a Principal Founder, Ankit leads product, engineering, marketing, and strategic partnerships for Aritic's suite of sales and marketing automation tools. He has grown the brand to over $120M valuation and $8M+ in revenue since 2015. Ankit is passionate about analyzing and reviewing software to provide readers with authoritative, in-depth insights. His articles cover martech, SaaS, entrepreneurship, and other technologies based on his hands-on expertise. He stays on top of industry trends and best practices in product marketing, performance marketing, inbound marketing, and content marketing. His work has been featured in leading publications including G2Crowd, Scoop.It, Brandvertisor, Martech Advisor, Smart Insights, and more. Driven by a dedication to shaping the future of B2B SaaS, Ankit enjoys translating his experiences building, marketing, and scaling companies into actionable thought leadership.

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  1. I was wondering if you are able to accept Indian Debit or ATM cards via 2CO? Stripe doesn’t let Indian Debit Card users make payment (in USD). Only Credit Cards are accepted by Strip in India.

    • We are able to accept Indian Credit cards and those debit cards which has international translations activated.
      We accept payment in USD from India without any flaw.

      • does International Transaction options come activated by default in Indian ATM card if not what is the process I should recommend to my readers? Plus does all the ATM cards have this feature? thanks.

        • Ankit Prakash July 23, 2015 at 4:16 PM

          In India, the Debit Card holder has to ask their bank to activate International transactions for their card. I am not sure about all ATM cards.

  2. Have you tried the developer api of 2checkout? If so, does it support OTP for debit cards and India?

  3. Did you try as an individual or a registered company? Do 2checkout allow individuals to setup payment gateway in their site?

  4. Hi Ankit Praskash

    can I use 2CO on my website to receive payments for services provided through my site to a bank account in the Maldives.

  5. if some customer paying from usa, we need to pay additional 1.5 % ?? so, the total charge is 3.99+1.5+0.45 $ ???

    what is the payout details, any charge for payout ?

    • Hey Hari, for each transaction 3.9% + 45¢ per successful transaction charge will be applicable. There are no extra charge for Payout; 2Checkout keep some percentage of payout which they release quarterly.

  6. That is a great review. I’ve been using 2checkout for sometime myself (I still do offer Paypal as another option for my customers too). Recently I have been looking for some new and fresh alternatives and I had a chance to run into another young payment service provider start-up cardinity. Has anyone actually had a chance to try it and can share their opinion? The pricing seems to be decent and they also offer recurring billing subscriptions. Wonder how is their customer support and integration https://cardinity.com/2checkout-alternative

  7. Presently, there are numerous Recurring card payment choices accessible for International utilize. Beginning from Paypal, Stripe, 2Checkout, Authorize.net, Braintree, Pay mill and some more. All have diverse models to serve you and your clients. But my partners use 2checkout because of fair commission.

    • Agree with your comment Hart.
      Yes 2Checkout is also present in many countries and have far much fair charges compared to others.

  8. Haven’t got the chance to use it, however I’ve heard great things about 2checkout recurring payments though! I will give them a shot soon and perceive how it goes on the grounds that the Recurring card payment platform I am using as of now utilizing, charges a lot and they defer when discounts are to be made.

    • Harrison, thanks for the detailed issue about this. Are you talking about the additional charges applied on different currency transactions?

  9. How to receive recurring card payment from anywhere in the globe? You can use PayPal to solve your problem but it has certain limitations. The best thing that you have at your disposal is 2Checkout.com. Use this innovative payment gateway and you will be able to do transactions from with more than 196 countries.

    • Absolutely agree with you Bowen. Yes, there are few limitations with PayPal, that’s why we started using 2Checkout. 2CO has really great online payment collection in far many countries which helped us scale our saas business.

  10. There are a number of options for sending and receiving money while working online. However, there are some problems like some of the options are not valid and they do not work in some of the specific countries. In that case, you need to check out the options available for your country and then avail those options.

    • Yes Shirley, payment gateway processing are quite country dependent, so before any business start using the recurring payment gateway, they first investigate all the available features in detail; tryout few of the options and then finalize.

  11. If you are using the 2Checkout account for the sale of specific products, the system allows you to create a list of products with the prices at which they are selling. If several different products are sold in a single transaction, the system does not give you the option to scroll through in one invoice. You need to make one invoice for each of the products. Alternatively, you can enter only the recipients and the amount of the invoice.

    • Yes Adam, 2Checkout gives option to create products and after purchase you can automatically create receipt which you can send to buyers.

  12. Does 2Checout allow indian merchant to bill indian customer on recurring mode of payment without getting PCI Compliance on their website???

  13. I agree with you on Paypal. I opened a PayPal account, sadly it never started. It has restrictions all over the place. An online payment mechanism is the need of the hour but in India, it is a difficult road ahead.But let us be positive.

  14. Seems high on credibility – “accepting payments from any device and from any corner of the world”. It’s wonderful to take note that it supports transaction from 196 countries, through 8 payment methods, 26 currencies and 15 languages. Have you tried it personally? Payment gateways are a costly affair, usually.How does this one fare up against others?

    • Anthony, as mentioned in this post, in first paragraph, we are using 2Checkout in one and more projects, so we covered this post. Yes, regarding cost, one essentially need to compare it against all other required features of the payment gateway.
      So, you can compare them from above mentioned blog.

  15. With 2Checkout, one can collect all of his recurring payments from the credit cards, all throughout the globe. The approval policies for 2Checkout are quite strict. With it, the processes of checkout have not only become simple but also hassle free. The customizable interface adapts to the customer’s device while check out. Every transaction that is made through it is safe and protected.

  16. I would really like to know that in what cases I should be going for checkout and in which cases PayPal or other payment gateways. PayPal has been so popular so I always find it difficult to trust another payment option. Kindly highlight some points that make checkout a better pick than PayPal.

    • Rachel, you can use 2checkout for more than 100+ countries whereas PayPal has got restrictions in some countries for domestic payment transfers.

  17. We are providing cloud-based Email Platform services to my customers, and we charge our customers monthly based on their usage, so the first month will be INR 1000, Second month Usage may be little high and customer need to pay INR 2000, Do 2co provide automatic charge facility for second month? I mean every month I should able to charge customer card without customer interactions. is this possible by 2co in India? I use stripe to my other application In USA.

    • If you have not started to , please and i ask you again , please do not use 2checkout. You will regret it . mail me back when you have your money with them and you loose contact with them afterwards. You have my email listed there.

    • Yes Madhu, 2Checkout is available for that purpose. But now, PayPal is also available in India. So, you can apply for the same account.

  18. The fees structure of 2checkout is almost the same as its competitors. But if it is a great deal or not for your business will depend on your country, cash flow requirements, risk level, and volume.
    Things I like about 2 checkout:
    • Flat rate pricing is entirely predictable
    • No monthly fees
    • No setting up fees
    • Monthly agreements available
    • Great option for international vendors

  19. Hello,
    I don’t have a registered company for my shopify store. can i still apply for 2checkout ?

  20. Hey Ankit, 2checkout is still good option in 2019 because I read lot of negative reviews for 2 checkout. Please reply. Thanks

  21. Hello ankit
    I’m going to start a site in which i’m going to sell video courses and ebooks to students all over the world. I want to know how can i accept payments through net banking from indian customers in addition to debit and credit card option. Does 2checkout have this option and if not, then can you suggest any other service.

    • Hi Raju, 2Checkout doesnot seem to have netbanking feature to process payment. You need to use some other payment processing gateway.

  22. My experience with 2checkout has not been great at all. Firstly, they have a terrible customer support , secondly their rates are pretty high when it is an international business. I am not going to try it for the next time. Let me know if they have improved on these two issues or not.

  23. Hi Ankit

    What is the fees for using 2checkout in India. Do we have to pay 5.5% (including the 2% cross border fees)? And now, recurring payments are being offered by Indian providers like Razor pay, Cash free, etc. Does going with 2checkout at higher fees still make sense?

  24. It’s a lot of fun to read your blog .I’m having a lot of fun reading your blog…

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