Checkout.com

Enterprise payment processing, acquiring, and orchestration platform for global merchants.

Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.

Works with: ShopifyMagentoBigCommerceWooCommerceSAP Commerce CloudSalesforce Commerce Cloud
Deployment: Cloud
Company size: Mid-market, Enterprise
Pricing: Quote-based (flat-rate or Interchange++)
Founded: 2012
Headquarters: London, United Kingdom

Overview

Checkout.com is a privately held payments technology company, founded in 2012 and headquartered in London, that provides end-to-end payment acceptance, acquiring, and money-movement infrastructure for online merchants. It targets mostly mid-market and enterprise businesses in ecommerce, gaming, travel, fintech, crypto and marketplace verticals, with named customers including Netflix, eBay, Spotify, Uber, Klarna, Coinbase, ASOS, Alibaba, Sony and Pinterest. The company reports processing over $300 billion in ecommerce payment volume in 2025.

The platform combines a unified payments API (with lower-code options including Flow, a Hosted Payment Page, mobile SDKs and Payment Links) with direct acquiring licenses in the UK/EEA, US, APAC and MENAP, spanning 57 domestic processing countries, 150+ processing currencies and 20 settlement currencies. Adjacent products cover fraud detection and 3D Secure authentication, AI-driven identity verification, a card vault/tokenization service, dispute management (including a Visa Rapid Dispute Resolution integration), card issuing, treasury and FX, and an Integrated Platforms product for marketplaces and payment facilitators that handles sub-merchant onboarding, KYC/KYB, split payments and payouts.

Checkout.com integrates primarily through its own REST API, Dashboard, and a network of ecommerce/subscription-platform plugins (Shopify, Magento, BigCommerce, WooCommerce, SAP Commerce Cloud, Salesforce Commerce Cloud, Chargebee, Zuora and others) rather than through certified ERP connectors -- its own site and documentation do not list a NetSuite, SAP S/4HANA, Microsoft Dynamics, Sage Intacct or Acumatica integration. Finance teams typically reconcile Checkout.com settlement data into their ERP or accounting system via the Dashboard's reporting exports or the API rather than a prebuilt module.

Modules & capabilities

Checkout.com covers 27 of 50 capabilities we track in this category

54%

Credit & debit card processingCore acquiring business
Core strength
ACH / bank transfer processing
Not evidenced
Digital wallet acceptanceApple Pay, PayPal, Alipay and other wallets
Core strength
Local & alternative payment methodsiDEAL, POLi, Przelewy24 and other local methods
Core strength
Virtual terminal
Not evidenced
Payment links & hosted pagesPayment Links for multi-channel/no-code acceptance
Supported
In-person POS hardware
Not evidenced
IVR / phone payment acceptance
Not evidenced
Ecommerce storefront pluginsPlugins for Shopify, Magento, BigCommerce, WooCommerce and more
Core strength

“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.

Common use cases

Consolidating card acceptance, local payment methods and acquiring behind a single API for a global ecommerce merchant
Running a marketplace or payment-facilitator model with sub-merchant onboarding, split payments and seller payouts
Reducing false declines and improving authorization rates with AI-driven Intelligent Acceptance
Screening and verifying new customers or sellers with video identity verification and sanctions/PEP checks
Preventing and resolving disputes automatically via Visa Rapid Dispute Resolution before they become chargebacks
Issuing branded virtual or physical cards for supplier payments or customer rewards programs
Managing cross-border settlement and FX exposure through direct regional acquiring licenses

Strengths & considerations

Strengths

Direct acquiring licenses across UK/EEA, US, APAC and MENAP rather than relying solely on third-party acquirers
PCI DSS Level 1 and ISO 27001 certified, with e-money/payment institution licenses registered in the UK, EEA (passported via France), US, Australia, Singapore, New Zealand, Hong Kong, Japan, UAE and Brazil
Intelligent Acceptance authorization-optimization model described by the vendor as trained on 20 billion network data points
Broad third-party orchestration, subscription-billing, fraud, and headless-commerce partner ecosystem (Chargebee, Zuora, Sift, Forter, Plaid and others) for composable integration
Transparent flat-rate or Interchange++ pricing options with no setup or account-maintenance fees, and free processing for registered charities

Considerations

Does not publish a certified ERP connector (e.g. for NetSuite, SAP S/4HANA, Microsoft Dynamics or Sage Intacct); ERP reconciliation relies on Dashboard exports or custom API/reporting work rather than a prebuilt module
No published per-transaction pricing -- rates require a sales conversation and are set by business profile and risk category
Ecommerce-platform integrations (Shopify, Magento, BigCommerce, WooCommerce, SAP Commerce Cloud, Salesforce Commerce Cloud) connect the storefront, not the back-office ERP itself

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