Checkout.com
by Checkout.com · Payment Processing
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
- ShopifyMagentoBigCommerceWooCommerce
SAP 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.
Features & capabilities
Payment Acceptance & Orchestration
Ways to connect and collect payments across channels.
- Unified Payments API for custom checkout integration
- Flow -- customizable, conversion-optimized checkout blocks
- Hosted Payment Page for low-code deployment
- Native Android and iOS mobile SDKs
- Payment Links for multi-channel and no-code acceptance
- Plugins connecting to ecommerce and subscription platforms
Global Acquiring & Money Movement
Direct acquiring and fund movement infrastructure.
- Direct acquiring licenses in UK/EEA, US, APAC and MENAP
- 57 domestic processing countries, 150+ processing currencies, 20 settlement currencies
- Card and local alternative payment method acceptance (Apple Pay, PayPal, Alipay, iDEAL, POLi, Przelewy24 and others)
- Payouts to bank accounts and cards, including instant/24-7 options
- Treasury & FX management to reduce currency-conversion exposure
- Card issuing -- physical and virtual Visa/Mastercard programs with spend controls
Fraud, Risk & Compliance
Tools to reduce fraud losses and manage disputes.
- Fraud Detection with machine-learning risk scoring and a custom velocity rules engine
- Risk.js device fingerprinting feeding real-time risk scores
- 3D Secure (3DS) authentication with liability shift
- AI-powered identity verification -- video document capture, liveness and face-matching across 3,000+ document types in 195 countries
- Sanctions, PEP, watchlist and adverse-media screening (via ComplyAdvantage)
- Vault for secure card tokenization and data storage
- Dispute management with Visa Rapid Dispute Resolution (RDR) pre-dispute prevention
Payment Performance & Reporting
Tools to lift authorization rates and monitor performance.
- Intelligent Acceptance -- AI model trained on network data to reduce false declines
- Network Tokens for encrypted, updateable card credentials
- Real-Time Account Updater to keep recurring payment card details current
- Dashboard for unified transaction monitoring and reporting
- Automated settlement reconciliation reporting
Marketplace & Platform Payments
Multi-party payment flows for marketplaces and payment facilitators.
- Sub-merchant onboarding with API or pre-built forms and automated KYC/KYB
- Split payments at authorization, capture or refund
- Configurable commission structures per seller
- Balance transfers and flexible fund-allocation workflows
- Instant, 24/7 payouts to sellers with scheduled or on-demand options
- Centralized reconciliation reporting across platform participants
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
ERP integrations
Ecommerce storefront integration, listed as a payment-integrations platform partner
Ecommerce storefront integration, listed as a payment-integrations platform partner
Ecommerce storefront integration, listed as a payment-integrations platform partner
Ecommerce storefront integration, listed as a payment-integrations platform partner
SAP ecommerce (Hybris) storefront platform, not SAP S/4HANA/ERP -- listed as a payment-integrations platform partner
Ecommerce storefront integration, listed as a payment-integrations platform partner
Pricing
No published per-transaction rates; pricing is set by business profile and risk category via a sales conversation. Vendor offers a choice of flat-rate or transparent Interchange++ pricing, states no setup or account-maintenance fees, and provides free processing for registered charities in operating countries. A free sandbox/test account is available for development. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- Cloud (API/SaaS platform)
- Compliance
- PCI DSS Level 1, ISO 27001
About the vendor
- Founded
- 2012
- Headquarters
- London, United Kingdom
- Employees
- ~2,000
- Ownership
- Private
- Notable customers
- Netflix, eBay, Spotify, Uber, Klarna, Coinbase, ASOS, Alibaba, Sony, Pinterest
Alternatives to Checkout.com in Payment Processing
Checkout.com — frequently asked questions
Does Checkout.com integrate with ERP systems like NetSuite or SAP?
Checkout.com does not publish a certified ERP connector for NetSuite, SAP S/4HANA, Microsoft Dynamics, Sage Intacct or Acumatica. It integrates with ecommerce and subscription platforms (Shopify, Magento, BigCommerce, SAP Commerce Cloud, Salesforce Commerce Cloud, Chargebee, Zuora) and exposes a Dashboard and REST API that finance teams use to export settlement and transaction data for reconciliation.
How is Checkout.com priced?
Pricing is quote-based and not published publicly. The vendor offers a choice of flat-rate or Interchange++ pricing set by business profile and risk category, with no setup or account-maintenance fees and free processing for registered charities. A sandbox test account is available for free.
What compliance certifications and licenses does Checkout.com hold?
Checkout.com is PCI DSS Level 1 and ISO 27001 certified. Group entities hold e-money or payment institution licenses in the UK (FCA), France/EEA (ACPR, passported across the EEA), the US (state money transmission via Checkout US Inc., NMLS #1791692), Australia (AUSTRAC), Singapore (MAS), New Zealand (FMA), Hong Kong, Japan (METI) and Brazil (Central Bank of Brazil).
Can Checkout.com power a marketplace or payment-facilitator model?
Yes. Its Integrated Platforms product supports sub-merchant onboarding with automated KYC/KYB, split payments at authorization or capture, configurable per-seller commissions, and instant or scheduled seller payouts.
How many countries and currencies does Checkout.com support?
The vendor states it processes in 57 domestic processing countries, supports over 150 processing currencies and 20 settlement currencies, and holds direct acquiring licenses in the UK/EEA, US, APAC and MENAP regions.
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