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Checkout.com

checkout.com

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Spec score 8.9 #1 of 24 in Frictionless Checkout Software

What it is

Checkout.com provides businesses with services to accept customer payments and send funds, through multiple payment methods and integration routes. It supports more than 150 processing currencies and local acquiring in over 50 countries. Merchants can take major card schemes, direct debits, vouchers, digital wallets and bank transfers, with recurring and marketplace payments also listed. Integration options include Flow, ecommerce plugins, mobile SDKs for Android and iOS, hosted payment pages and an API; its partner directory names Shopify, WooCommerce, BigCommerce and Salesforce Commerce Cloud. Intelligent Acceptance uses an AI engine to optimize payments. Fraud Detection includes network intelligence, machine-learning risk scores, transaction rules, and allow and block lists, with advanced controls and analytics in a Pro tier. Checkout.com says it is PCI DSS Level 1 compliant and its systems are ISO 27001 certified. Pricing is on request and tailored to business profile and risk category; registered charities can receive free processing where the service operates. The company lists Android, iOS, web and API support.

Spec sheet

What it does
Checkout.com is an end-to-end payment-services provider for accepting online payments, sending payouts and managing balances through one platform.Read 20 Oct 2026 · checkout.com
Security
Checkout.com states it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified.Read 2 Oct 2026 · checkout.com
Support
Checkout.com offers merchant support for technical issues and strategic advice, and its Dashboard AI agent is available 24/7.Read 2 Oct 2026 · checkout.com
Headquarters
London, United KingdomRead 28 Sep 2026 · checkout.com
Founded
2012Read 28 Sep 2026 · checkout.com
API documentation
The developer documentation includes API references, integration guides, payment actions, 3-D Secure, wallets, bank transfers, direct debit, payouts, testing and risk-management topics.Read 20 Oct 2026 · checkoutdocs.readme.io
Company profile
LinkedIn lists Checkout.com as privately held, founded in 2012, headquartered in London and employing 1,001–5,000 people.Read 20 Oct 2026 · gb.linkedin.com
Disputes
The Disputes product supports chargeback prevention, evidence handling, dispute analytics and automated reconciliation through the dashboard and API.Read 20 Oct 2026 · checkout.com
Documentation support
Checkout.com says all integration methods have technical documentation, an API reference, FAQs and a dedicated support team.Read 20 Oct 2026 · checkout.com
Face Authentication
Face Authentication verifies returning users with live video and facial matching for flows such as account recovery and re-onboarding.Read 20 Oct 2026 · checkout.com
Fraud Detection
Fraud Detection combines machine-learning risk scores, device data, velocity rules, allowlists and blocklists to identify suspicious transactions.Read 20 Oct 2026 · checkout.com
Fraud Detection pricing
The basic Fraud Detection version is free with preset configurations, while Fraud Detection Pro is a paid customizable version for larger merchants.Read 20 Oct 2026 · checkout.com
Fraud tools
Fraud Detection offers network intelligence, machine learning risk scores, transaction rules, and allow and block lists; a Pro tier adds advanced controls and analytics.Read 2 Oct 2026 · checkout.com
Funding history
Checkout.com raised $230 million in Series A financing in 2019 and $150 million in Series B financing in 2020, according to its company history.Read 20 Oct 2026 · checkout.com
Global processing
The platform supports more than 150 processing currencies and local acquiring in over 50 countries.Read 20 Oct 2026 · checkout.com
Identity Verification
Identity Verification uses video, AI document checks, liveness and face matching, covering more than 3,000 document types across 195 countries.Read 20 Oct 2026 · checkout.com
Integration options
Integration choices include Flow, ecommerce platform plugins, mobile SDKs for Android and iOS, and hosted payment pages.Read 2 Oct 2026 · checkout.com
Integration support
Checkout.com says its Solution Engineering team guides customers through integration and provides live monitoring after launch.Read 2 Oct 2026 · support.checkout.com
Intelligent Acceptance
Its Intelligent Acceptance product uses an AI engine to optimize payments for higher conversion and revenue capture.Read 20 Oct 2026 · checkout.com
Legal company name
Crunchbase lists the legal name as Checkout Ltd and identifies Guillaume Pousaz as founder.Read 20 Oct 2026 · crunchbase.com
Limit: local coverage and dashboard
TrustRadius reviewers request broader local payment-method coverage, more domestic settlement locations and richer dashboard analytics.Read 20 Oct 2026 · trustradius.com
Limit: missing capabilities
G2's comparison page groups recurring complaints around customer support, ease of use, limited features and missing features.Read 20 Oct 2026 · g2.com
Limit: negative service experiences
Trustpilot reviewers report difficult onboarding, delayed responses, failed payment experiences and disputes over charges.Read 20 Oct 2026 · trustpilot.com
Limit: pricing and ERP gaps
ERP Research reports that Checkout.com publishes no transaction rates and lacks certified connectors for major ERPs such as NetSuite, SAP S/4HANA and Microsoft Dynamics.Read 20 Oct 2026 · erpresearch.com
News: 2025 security incident
TechRadar reported that a November 2025 breach of a legacy third-party file store affected internal documents and onboarding materials for less than 25% of merchants, without exposing card numbers or merchant funds.Read 20 Oct 2026 · techradar.com
News: Microsoft partnership
On June 18, 2026, Checkout.com announced that Microsoft selected it to process card payments for Xbox, Microsoft 365 and Azure in EMEA.Read 20 Oct 2026 · checkout.com
Partner integrations
Its partner directory includes ecommerce and commerce platforms such as Shopify, WooCommerce, BigCommerce, and Salesforce Commerce Cloud.Read 2 Oct 2026 · checkout.com
Payment integrations
Integration choices include Payment Links, hosted payment pages, embedded Flow, full-card-details API and ecommerce plugins.Read 20 Oct 2026 · support.checkout.com
Payment methods
Supported methods include major card schemes, direct debits, vouchers, digital wallets and bank transfers.Read 20 Oct 2026 · checkout.com
Payment optimization
Intelligent Acceptance uses an AI engine to optimize payments and increase conversions and captured revenue.Read 2 Oct 2026 · checkout.com
Payment reach
Its platform supports more than 150 processing currencies and local acquiring capabilities in over 50 countries.Read 2 Oct 2026 · checkout.com
Plugin capabilities
Plugins support tokenization, local payment methods, express wallets, dynamic statement descriptors and compliance updates.Read 20 Oct 2026 · checkout.com
Plugins
Official partner and plugin coverage includes Shopify, Magento, BigCommerce, WooCommerce, Salesforce Commerce Cloud, SAP Commerce Cloud and Chargebee.Read 20 Oct 2026 · checkout.com
Praise: international flexibility
A Software Advice reviewer credits Checkout.com with accepting cards across many countries and currencies.Read 20 Oct 2026 · softwareadvice.com
Praise: reliability and account support
TrustRadius reviewers repeatedly praise platform reliability, proactive technical account managers, regular follow-ups and production support.Read 20 Oct 2026 · trustradius.com
Pricing details
The pricing page says there are no setup fees or account maintenance fees and that risk and fraud management tools are included.Read 2 Oct 2026 · checkout.com
Public API
Checkout.com exposes JSON REST-style APIs with sandbox and production environments, idempotency, rate-limit guidance, webhooks and private-connection support.Read 20 Oct 2026 · api-reference.checkout.com
Rating on Capterra
3.3 out of 5 from 3 reviews.Read 20 Oct 2026 · capterra.com
Rating on G2
4.6 out of 5 from 70 reviews.Read 20 Oct 2026 · g2.com
Rating on Gartner Peer Insights
4.1 out of 5 from 2 reviews.Read 20 Oct 2026 · gartner.com
Rating on GetApp
3.3 out of 5 from 3 reviews.Read 20 Oct 2026 · getapp.com
Rating on Software Advice
3.3 out of 5 from 3 ratings.Read 20 Oct 2026 · softwareadvice.com
Rating on Trustpilot
1.9 out of 5 from 103 reviews.Read 20 Oct 2026 · trustpilot.com
Rating on TrustRadius
10 out of 10 from 90 reviews and ratings.Read 20 Oct 2026 · trustradius.com
SDK licensing
The public Checkout.com SDK repositories shown on GitHub use the MIT license.Read 20 Oct 2026 · github.com
SDKs
Public SDK repositories are provided for Node.js, PHP, .NET, Java, Python, Ruby and Go, plus Android components.Read 20 Oct 2026 · github.com
Security certifications
The Trust Center lists SOC 1 Type II, SOC 2 Type II, PCI DSS, PCI 3DS, ISO 27001:2022, GDPR, CCPA and UK Cyber Essentials compliance programs.Read 20 Oct 2026 · trust.checkout.com
Security controls
Checkout.com states that production data is encrypted at rest and in transit and that it maintains formal security, privacy, risk-management and incident-response programs.Read 20 Oct 2026 · checkout.com
Self-hosting
Checkout.com is delivered as a hosted cloud payment service; the vendor pages describe APIs, dashboards and hosted payment interfaces rather than self-hosting.Read 20 Oct 2026 · checkout.com
Who it serves
Checkout.com describes its payment services as built for businesses and says it delivers payments to the world’s biggest businesses.Read 2 Oct 2026 · checkout.com

Plans and prices

Registered charities Free Free payment processing in countries where Checkout.com operates Read 2 Oct 2026 · checkout.com
Registered-charity processing Free Free payment processing for registered charities in operating countries. Available only to registered charities in countries where Checkout.com operates Read 20 Oct 2026 · checkout.com
Custom tailored plan Priced on request Pricing is set after contacting Checkout.com and depends on business profile and risk category. Flat-rate or interchange++ options · no setup fees · no account-maintenance fees Read 20 Oct 2026 · checkout.com
Tailored pricing Priced on request Pricing based on business profile and risk category Read 2 Oct 2026 · checkout.com

Every Checkout.com plan and price →

Strong points and limits

Strong points

  • Processes more than 150 currencies.
  • Local acquiring in over 50 countries.
  • Supports recurring and marketplace payments.
  • Includes multiple integration routes and partner platforms.
  • Registered charities can get free processing in operating countries.

Limits

  • Pricing is available on request.
  • Tailored pricing depends on business profile and risk category.

Who it suits

Checkout.com is aimed at businesses that need to accept payments and disburse funds across markets or through varied payment channels. Its integrations and payment tools may suit businesses with ecommerce, recurring or marketplace payment needs.

Checkout.com in depth

Read the full write-up

Overview

Checkout.com is a business payments platform for accepting customer payments and disbursing funds. It is best suited to businesses with international, recurring or marketplace payment needs that can work with tailored pricing. Its range of payment methods and integration paths is a strength; buyers seeking a standard published rate may prefer a more transparent pricing model.

Key features

Payment reach and methods

The platform supports more than 150 processing currencies and local acquiring in over 50 countries. Businesses can accept major card schemes, direct debits, vouchers, digital wallets and bank transfers, and support recurring and marketplace payments. That breadth can help businesses serve customers across markets and payment preferences. For a business operating in one market with basic card needs, much of that reach may be unnecessary.

Optimization and fraud

Intelligent Acceptance uses an AI engine to optimize payments, with the stated aim of increasing conversions and captured revenue. Fraud Detection combines network intelligence, machine-learning risk scores, transaction rules, and allow and block lists. A Pro tier adds advanced controls and analytics.

Integration and support

Businesses can connect through Flow, ecommerce platform plugins, Android and iOS mobile SDKs, or hosted payment pages. The partner directory includes Shopify, WooCommerce, BigCommerce and Salesforce Commerce Cloud. Checkout.com’s Solution Engineering team guides customers through integration and provides live monitoring after launch. Merchant support covers technical issues and strategic advice, and a Dashboard AI agent is available 24/7.

Security

Checkout.com states that it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. Those credentials may matter to businesses assessing payment security requirements, but they do not replace evaluating the fit of a provider’s controls for a particular operation.

Pricing

Checkout.com has paid, custom pricing based on business profile and risk category. The pricing page says there are no setup fees or account maintenance fees, and risk and fraud management tools are included. That structure may suit businesses whose processing profile merits an individually tailored offer; it makes cost comparison harder before discussing requirements with the provider.

Registered charities can receive free payment processing in countries where Checkout.com operates, at free. This is the clearest fit for eligible charities, though the offer is limited to operating countries. There is no standard public plan rate to compare against other providers.

Platforms

Checkout.com supports Android, iOS, web and API use. Mobile SDKs are available for Android and iOS, while Flow, plugins and hosted payment pages provide alternatives to a direct API integration. This variety suits teams choosing between a custom integration and a more managed checkout path.

Who it's for

Checkout.com is a stronger fit for businesses that need broad international payment coverage, recurring or marketplace payments, or multiple integration options. Its support and optimization tools add appeal for organizations managing payment operations at scale. It is less suited to buyers who need a fixed, easily compared price or whose payment needs are limited to a straightforward setup.

Pros and cons

Pros: Support for more than 150 processing currencies and local acquiring in over 50 countries gives cross-border businesses substantial reach.

Pros: Multiple integration choices, including plugins, mobile SDKs and hosted pages, accommodate different technical setups.

Pros: Fraud tools include rules and allow/block lists, with a Pro tier for advanced controls and analytics.

Cons: Custom pricing based on business profile and risk category makes it difficult to compare costs using a standard rate.

Cons: Free processing is specifically for registered charities in operating countries, not a general free plan.

Alternatives

Airwallex Payments is worth considering if a freemium option and a published Explore plan matter; its domestic card processing fee is 2.8% + $0.30, with processing fees applying.

Paybyrd may suit businesses that prefer a transaction-based Essential plan with a stated monthly volume cap of up to €80K / month and no monthly fee.

Stripe Connect is a relevant alternative for platforms that want Stripe to set and collect processing fees from connected accounts, with no fees for the platform on that plan.

Zoneless offers a Cloud Free plan with 1,000 payouts per month, no transaction fees and a Stripe-compatible API, making it a comparison for payout-focused needs.

Payouts.com is another freemium option, with a free-to-start offer and usage-based pricing as the business scales.

PayPal Multiparty Payments is an alternative for businesses considering a platform or marketplace payment solution.

Razorpay Route offers a Standard Plan with 0.1% charged on every transfer as addon pricing, for successful transfers only.

Trustap Marketplace Solution is an alternative marketplace payment product with a Basic plan starting at $50 / month and a $249 onboarding fee.

For category comparisons, see Marketplace Payment Platforms, Embedded Payments Platforms, Payment Facilitation Platforms, Hosted Checkout Software, Cross-Border Payment Platforms and Payment Link Software.

Verdict

Choose Checkout.com if your business needs broad international payment coverage, multiple ways to integrate, and support for recurring or marketplace payments. Its principal advantage is the combination of reach and payment tools; its main drawback is custom pricing, which makes it a weaker choice when a clear standard rate is essential.

Verdict

Checkout.com lists broad payment coverage, multiple integration options and fraud tools for businesses. Its pricing is tailored rather than stated as a standard rate, with free processing specifically listed for registered charities in operating countries.

Where Specifiction places it

Alternatives to Checkout.comAll alternatives →