Mozart Pay vs Checkout.com
Checkout.com is a direct processor. Mozart Pay is an orchestration layer that lets you use Checkout.com alongside any other gateway through a single API.
Processor vs Orchestrator
Checkout.com processes payments directly. Mozart Pay sits above processors, routing payments to the best gateway for each transaction. Use Checkout.com as one of your gateways, not your only option.
Redundancy Built In
If Checkout.com goes down, your payments stop. With Mozart Pay, transactions automatically route to a backup gateway. No downtime, no lost revenue.
Open Banking Payments
Checkout.com focuses on card payments. Mozart Pay adds open banking via TrueLayer and Fena, giving your UK customers a cheaper, faster way to pay directly from their bank account.
One API, Many Gateways
With Checkout.com, you integrate one processor. With Mozart Pay, one integration gives you access to Stripe, TrueLayer, Pay360, Fena, Trust Payments, and more as they're added.
Reduce Processing Costs
Route transactions to the cheapest gateway for each payment type. Use open banking for high-value payments and cards for smaller amounts. Mozart Pay makes cost optimisation simple.
Common Migration Scenarios
Businesses add Mozart Pay on top of Checkout.com when they want to add a second gateway for redundancy, introduce open banking, or unify payment data across providers.
Don't replace your processor. Orchestrate it.
Mozart Pay works alongside Checkout.com and any other gateway you choose.