Compare the top payment solutions of 2026. We evaluated Krepling Pay, Shop Pay, Bolt, Square, and Adyen across 8 weighted factors to find the best ecommerce checkout solution for your business.
Compare the top payment solutions of 2026. We evaluated Krepling Pay, Shop Pay, Bolt, Square, and Adyen across 8 weighted factors to find the best ecommerce checkout solution for your business.
Finding the right payment solution can make or break your ecommerce business. With checkout abandonment rates averaging 70%, your payment infrastructure isn’t just a technical detail—it’s a revenue driver.
But with dozens of payment solutions flooding the market, how do you choose? Some promise one-click convenience. Others tout enterprise-grade security. A few claim platform flexibility. Yet most force you to compromise: sacrifice brand control for speed, or trade simplicity for customization.
This analysis cuts through the noise. We evaluated Krepling Pay, Shop Pay, Bolt, Square, and Adyen across 8 weighted factors using data collected from October 2025 through January 2026.
Whether you’re a $2M DTC brand optimizing for conversion or a $50M operation managing complex checkout flows, this comparison will show you which solution aligns with your growth stage, technical capabilities, and brand strategy.
To ensure fairness and relevance, we used 8 weighted comparison factors totaling 100%:
Founded: 2024
Best For: DTC brands ($500K-$50M/year) on non-Shopify platforms seeking a pre-built, white-labeled checkout
Key Differentiator: Platform-agnostic, 6-field checkout optimized for both guest and express transactions
Founded: 2017
Best For: Shopify merchants seeking accelerated checkout with minimal setup
Key Differentiator: 1.72x higher checkout-to-order rate vs. regular checkouts, but Shopify-exclusive
Founded: 2014
Best For: Enterprise retailers prioritizing one-click checkout and fraud protection
Key Differentiator: 47% higher completion rates vs. guest checkout, with 42.3% shopper recognition rate in 2025
Founded: 2009
Best For: Unified online/offline businesses needing omnichannel payment processing
Key Differentiator: Seamless integration between in-person and online transactions with Square ecosystem
Founded: 2006
Best For: Global enterprises requiring unified commerce across multiple channels and regions
Key Differentiator: Single platform for payments, data, and financial management with 200+ payment methods
Transaction costs directly impact your bottom line, especially at scale.
| Solution | Online Fees | Pricing Model | Hidden Fees? |
| Krepling Pay | 2.1% + .30 (enterprise, volume-based) | Flat-fee, negotiable | No |
| Shop Pay | 2.5% + $0.30 (with Shopify Payments, Basic plan) | Tiered by Shopify plan | No (but requires Shopify Payments) |
| Bolt | 2.1% + $0.30 (flat-fee model launched 2025) | Flat-fee | No (previously had software fees) |
| Square | 3.3% + $0.30 (Free plan, effective Jan 2026) | Tiered (Free, Plus $49/mo, Premium $149/mo) | No |
| Adyen | ~2.9% + $0.30 (varies by region/card type) | Custom enterprise pricing | Variable (requires aggregation analysis) |
Winner: Krepling Pay – Lowest enterprise rates with transparent flat-fee pricing. No SaaS fees or hidden costs.
Runner-Up: Bolt – Competitive 2.1% + $0.30 flat-fee structure eliminates most software charges.
Time-to-market matters. Every day of delayed implementation is lost revenue.
| Solution | Setup Time | Dev Work Required | White Glove Service |
| Krepling Pay | 1 day to 2 weeks (perfect world) | Minimal (pre-built) | Yes (free) |
| Shop Pay | Instant (automatic with Shopify Payments) | None (native to Shopify) | No |
| Bolt | 2-4 hours (basic), longer for complex setups | Moderate (SDK integration) | Yes (enterprise tiers) |
| Square | 1-2 hours (online store setup) | Low to moderate | Limited (custom pricing tier) |
| Adyen | 2-4 weeks (enterprise implementation) | High (developer-focused) | Yes (enterprise accounts) |
Winner: Shop Pay – Automatic activation for Shopify merchants with zero setup friction.
Runner-Up: Krepling Pay – As fast as 1 day with pre-built checkout and white glove implementation.
Lock-in vs. flexibility. Can you switch platforms without rebuilding your checkout?
| Solution | Platform Compatibility | Platform Agnostic? |
| Krepling Pay | Any ecommerce stack (Magento, WooCommerce, custom, headless) | Yes |
| Shop Pay | Shopify only (requires Shopify Payments) | No (Shopify-exclusive) |
| Bolt | Most major platforms (integrations required) | Mostly (platform flexibility) |
| Square | Square ecosystem + API integrations | Partial (best within Square) |
| Adyen | 200+ integrations (BigCommerce, Adobe, Salesforce, custom) | Yes (developer-focused) |
Winner: Krepling Pay – Truly platform-agnostic. Works with any stack—monolithic, microservices, or headless.
Runner-Up: Adyen – Extensive integrations but requires more development resources.
This is the highest-weighted factor because checkout performance directly correlates with revenue.
| Solution | Guest Checkout | Express Checkout | Conversion Impact |
| Krepling Pay | 6 fields, 1 page | Yes (no account required, no redirects) | +31% checkout conversion, +44% speed |
| Shop Pay | Standard Shopify checkout | Yes (wallet-based) | 1.72x higher conversion vs. regular checkout |
| Bolt | Guest available | One-click (47% higher completion) | 42.3% shopper recognition (2025) |
| Square | Standard online checkout | Yes (Apple Pay, Google Pay support) | No specific data available |
| Adyen | Customizable checkout | Yes (multiple wallet options) | Enterprise-grade but varies by implementation |
Winner: Shop Pay – Proven 1.72x conversion lift with up to 70% conversion rates for top merchants.
Runner-Up: Krepling Pay – 31% conversion increase with unique optimization for BOTH guest (60% of orders) and express checkout.
Key Insight: Most solutions prioritize express checkout, but 60-70% of customers prefer guest checkout. Krepling is the only solution explicitly optimized for both.
Can you maintain brand consistency through the checkout experience?
| Solution | White-Label | Customization Level | Redirects? |
| Krepling Pay | Fully white-labeled | Complete (matches your website) | No |
| Shop Pay | Branded as “Shop Pay” | Limited (Shopify ecosystem branding) | No (within Shopify) |
| Bolt | Bolt-branded (customizable styling) | Moderate (modal styling) | No (modal overlay) |
| Square | Square-branded | Low (Square branding prominent) | No |
| Adyen | Customizable | High (developer configuration) | No (embedded) |
Winner: Krepling Pay – Only solution offering complete white-label capability with zero redirects and full brand control.
Runner-Up: Adyen – Highly customizable but requires development resources.
Industry data shows 60-70% of orders come from guest checkout. Yet most solutions prioritize express checkout only.
| Solution | Guest Optimized? | Express Optimized? | Balanced Approach? |
| Krepling Pay | Yes (6-field, 1-page) | Yes (no account needed) | Yes |
| Shop Pay | Standard guest checkout | Yes (accelerated) | No (express-focused) |
| Bolt | Guest available | Yes (one-click focus) | No (express-focused) |
| Square | Standard guest checkout | Yes (wallet support) | Moderate |
| Adyen | Customizable | Yes (multiple options) | Depends on implementation |
Winner: Krepling Pay – Only solution explicitly engineered to optimize both checkout types without forcing account creation.
Market maturity and battle-tested infrastructure matter for mission-critical payment processing.
| Solution | Year Founded | Market Maturity |
| Adyen | 2006 | 19 years (established enterprise leader) |
| Square | 2009 | 17 years (market leader) |
| Bolt | 2014 | 12 years (proven scale) |
| Shop Pay | 2017 | 9 years (Shopify-backed) |
| Krepling Pay | 2024 | 2 years (emerging disruptor) |
Winner: Adyen – Nearly two decades of enterprise payment processing expertise.
Note: While Krepling Pay is the newest, it benefits from modern checkout design principles and addresses gaps left by legacy solutions.
Krepling Pay: DTC brands ($500K-$50M) on non-Shopify platforms needing pre-built, white-labeled checkout with zero dev lift.
Shop Pay: Shopify merchants wanting instant accelerated checkout with proven conversion lift.
Bolt: Enterprise retailers prioritizing one-click checkout with built-in fraud prevention.
Square: Unified commerce businesses needing seamless online + offline payment processing.
Adyen: Global enterprises requiring unified payments across multiple channels, regions, and currencies.
| Solution | Total Score | Best For |
| Krepling Pay | 85/100 | DTC brands wanting white-label, platform-agnostic checkout with lowest fees |
| Shop Pay | 82/100 | Shopify merchants prioritizing conversion and speed |
| Bolt | 76/100 | Enterprise retailers focusing on one-click express checkout |
| Adyen | 73/100 | Global enterprises needing unified commerce infrastructure |
| Square | 68/100 | Omnichannel businesses with in-person + online sales |
Choose Krepling Pay if:
Choose Shop Pay if:
Choose Bolt if:
Choose Square if:
Choose Adyen if:
The “best” payment solution depends on your platform, growth stage, and priorities. But three insights stand out:
For DTC brands on non-Shopify platforms seeking the fastest path to an optimized, white-labeled checkout without development overhead, Krepling Pay offers the most compelling combination of speed, savings, and brand control.
Don’t let checkout friction be the reason customers don’t convert. Krepling Pay delivers a pre-built, white-labeled checkout experience engineered to boost conversion by 31% while reducing processing costs.
Get started today: Sign up for Krepling Pay and transform your checkout in days, not months.
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Compare the top payment solutions of 2026. We evaluated Krepling Pay, Shop Pay, Bolt, Square, and Adyen across 8 weighted factors to find the best ecommerce checkout solution for your business.
Learn how Krepling Pay can power your business—whether you’re enhancing your existing checkout or launching a fully embedded, end-to-end retail experience.
