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Checkout.com

Provider· checkout.com·HQ United Kingdom·Founded 2012

London-headquartered acquirer holding its own licences across the UK, EEA, APAC and MENAP. Pricing is quoted per merchant on flat-rate or interchange++; iGaming and crypto accepted after extra checks.

This profile is compiled from public sources, information supplied by providers and AI-generated content. It may be inaccurate or out of date — always verify details directly with Checkout.com before applying or signing anything. PaymentsDatabase is not a party to any agreement between you and Checkout.com. Disclaimer

Website

Checkout.com is a London acquirer and gateway built by Guillaume Pousaz, who launched the business as Opus Payments in 2009 and relaunched it under the Checkout.com name in 2012. It sells to larger digital-first merchants rather than small shops, and its published client list has included Netflix, eBay, Uber Eats, Vinted and several of the biggest crypto exchanges.

What separates it from most gateways is that it holds its own acquiring licences instead of routing everything through a sponsor bank. Direct licences cover the UK, the EEA, parts of APAC and the MENAP region, while US volume runs on a MALPB charter with two sponsor banks. The company reports 57 domestic processing countries, over 150 processing currencies and roughly 20 settlement currencies. Cards run to Visa, Mastercard, American Express, JCB, Diners Club, Discover, Maestro and Cartes Bancaires. Local coverage is deepest in the Gulf, where mada, KNET, Benefit, QPay, OmanNET, stc pay, Tabby and Tamara sit next to European methods such as iDEAL, Bancontact, Sofort, BLIK, Bizum, Multibanco, Swish, Vipps, MobilePay and TWINT, plus Asian wallets including GCash, KakaoPay, Touch 'n Go, TrueMoney, DANA, Octopus and both Alipay variants.

No rates are published. Merchants are quoted individually, either on a flat rate set by business profile and risk category or on interchange++, where scheme, interchange and processor costs are itemised. Checkout.com says it levies no setup or account maintenance fees, and processes free of charge for registered charities in the markets where it operates.

Settlement is quoted at T+2 for major currencies and T+3 or longer for the rest, with daily, weekly, twice-monthly or monthly payout runs. The company will underwrite iGaming and crypto merchants that many acquirers turn away, though those sectors go through additional due diligence. Onboarding is sales-led, so there is no self-serve sign-up and smaller merchants are generally out of scope.

Licences & regulation

Authorisations Checkout.com holds, as published by the provider or regulator. Check the register entry before relying on it.

Financial Conduct Authority
Authorised electronic money institution (Checkout Ltd) · United Kingdom · 900816
Register
Autorité de contrôle prudentiel et de résolution
Authorised electronic money institution (Checkout SAS), the entity used for EEA business · France · 17208
Register
Monetary Authority of Singapore
Major payment institution (Checkout APAC Pte. Ltd.) · Singapore · PS20200469
Register
AUSTRAC
Independent remittance dealer registration (Checkout.com Australia Pty Ltd) · Australia · IND100621360-001
Register
Financial Markets Authority
Registered financial service provider (Checkout Ltd) · New Zealand · FSP1000838
Register
Customs and Excise Department
Money service operator licence (Checkout Ltd Hong Kong) · Hong Kong SAR China · 20-06-02975
Register
Ministry of Economy, Trade and Industry
Registered credit card number handling business operator (Checkout Kabushiki Kaisha) · Japan · Kanto (ku) No. 162
Register
Central Bank of the UAE
Retail payment services provider (Checkout MENA FZ-LLC) · United Arab Emirates · 08.01.02.008.2023.02
Register
US state banking regulators (NMLS)
Money transmission services (Checkout US, Inc.); US card volume is processed under a Utah MALPB charter with two sponsor banks · United States · 1791692
Register
Banco Central do Brasil
Payment institution (Checkout do Brasil); reference is the company's CNPJ · Brazil · 35.379.930/0001-82
Register

Onboarding requirements

Bank Statement / Bank AccountCompany DetailsCompany DocumentsDirector IDEnhanced KYB & Due Diligence

Features

3D SecureAccount UpdaterChargeback ManagementFX ConversionFraud PreventionMass PayoutsMulti-CurrencyNetwork TokenisationPartial RefundPayoutsRecurring PaymentsRefundsReporting & AnalyticsSandbox / Testing EnvironmentTokenisationWebhook Notifications

Sources

  1. Checkout.com regulatory certificates · checkout.com
  2. Checkout.com pricing · checkout.com
  3. Checkout.com payment methods documentation · checkout.com
  4. Checkout.com acquiring · checkout.com
  5. Checkout.com international coverage · checkout.com
  6. Checkout.com receive settlements · checkout.com
  7. Checkout.com accept payments · checkout.com
  8. Checkout.com e-commerce platform integrations · checkout.com
  9. Checkout.com gaming solutions · checkout.com
  10. Check your eligibility to become a Checkout.com client · support.checkout.com
  11. Checkout.com (Wikipedia) · en.wikipedia.org

Alternatives to Checkout.com

Listings that share categories and countries.

Compare Checkout.com

Head-to-head: coverage, payment methods and pricing.

Frequently asked questions

What payment methods does Checkout.com support?

Checkout.com supports 42 payment methods, including Mastercard, Visa, American Express, BLIK, iDEAL, Apple Pay, Google Pay, Diners / Discover, Klarna, ACH and 32 more.

Which countries does Checkout.com operate in?

Checkout.com serves merchants in 36 countries, including Brazil, France, Germany, Italy, Belgium, Netherlands, Austria, Spain, Poland, Portugal and 26 more.

Which currencies does Checkout.com support?

Checkout.com supports 27 currencies, including EUR, USD, BRL, GBP, SEK, PLN, DKK, CAD, NOK, CHF and 17 more.

How much does Checkout.com cost?

Checkout.com doesn’t publish standard pricing — fees are quoted per merchant based on volume, industry, countries and risk. You can request an introduction through PaymentsDatabase to get a quote.

Is Checkout.com regulated?

Checkout.com holds authorisations from Financial Conduct Authority, Autorité de contrôle prudentiel et de résolution, Monetary Authority of Singapore, AUSTRAC, Financial Markets Authority, Customs and Excise Department and 4 more. Always check the regulator’s public register before relying on it.

What are the alternatives to Checkout.com?

Alternatives to Checkout.com that share its categories and countries include Adyen, Nuvei, Stripe, PayPal, Rapyd, Airwallex, Jeton and Worldpay.