Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
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$0
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2-day
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Checkout.com Review
Enterprise acquirer with direct licenses across the UK, EEA, US, APAC and MENAP, custom Interchange++ pricing and same-day settlement.
No reviews yetFounded 2012London, United KingdomListing updated
- Starting rate
- Custom quote
- Monthly fee
- None
- Payout
- Varies
- Contract
- N/A
- PCI level
- Level 1
- Regions
- UK, EU +2
Overview
If your business processes payments across multiple countries, Checkout.com is likely to come up as an alternative to providers such as Stripe and Adyen. But the important question isn't simply whether Checkout.com supports online payments, it's whether its pricing, payment coverage, integrations, and account requirements make sense for your business.
This Checkout.com review looks at the platform from a merchant's perspective, including pricing, payment processing, supported payment methods, integrations, and the types of businesses it is best suited for.
Checkout.com Pricing and Fees
Checkout.com does not use the kind of simple public pricing model that some small-business payment processors advertise. Pricing can depend on factors such as transaction volume, business model, payment methods, markets served, and the commercial agreement with the merchant.
For businesses processing significant payment volume, this can make a customized pricing arrangement more relevant than comparing a single advertised percentage.
What to look at before signing up:
- Processing rates
- Interchange and card-network costs
- Cross-border fees
- Currency conversion costs
- Chargeback fees
- Settlement terms
- Contract requirements
Who Is Checkout.com Best For?
Checkout.com is primarily worth considering for established, high-volume and international businesses rather than a small business looking for the simplest possible payment setup.
It can make more sense when a company needs to accept payments across multiple markets and wants a payment infrastructure that can support international growth.
Checkout.com Features
Key areas to evaluate include:
- Online card payments
- Alternative payment methods
- International payment processing
- Fraud and risk management
- Payment APIs
- Reporting and reconciliation
- Developer integrations
Checkout.com vs Stripe
If you are comparing Checkout.com and Stripe, the right choice depends heavily on business size, geographic coverage, pricing, and how much control your development team needs over the payment experience.
Is Checkout.com Right for Your Business?
Checkout.com is more compelling when payment volume and international coverage are important. For a small business that simply wants to start accepting cards quickly, a simpler provider may be easier.
Best for
Enterprise ecommerce
International sellers
Marketplaces
Licensed high-risk verticals
Regions
UK
EU
US
Global
Industries
Online retail
Fintech
Travel
iGaming
Digital content
Listed in
Pros
- Built for international payment processing
- Strong focus on larger merchants
- Supports multiple payment methods
- Flexible payment infrastructure
Cons
- Pricing is not as straightforward as some SMB processors
- May be more platform than a small business needs
- Businesses may need to go through a sales-led onboarding process
Pricing
Pricing at a glance
No published rates: every merchant gets a custom Interchange++ or flat-rate quote based on profile and risk category. Checkout.com states there are no setup, account maintenance or surprise fees, and registered charities process free of charge.
- Pricing model
- Interchange-plus, Flat rate, Custom quote
- Contract
- N/A
- Free trial
- No
- Monthly minimum
- Not published, negotiated volume commitments are common in practice
Fee breakdown
| Online card rate | Custom quote |
|---|---|
| International surcharge | Custom quote, local acquiring in 57 domestic markets reduces cross-border cost |
| ACH / bank rate | ACH and SEPA Direct Debit supported, rates quoted per merchant |
| Monthly fee | None |
| Setup fee | None |
| Monthly minimum | Not published, negotiated volume commitments are common in practice |
| Chargeback fee | Scheme and dispute costs passed through at cost on Interchange++ contracts |
| Early termination fee | Not published, set per negotiated agreement |
Listing updated How we keep listings current
Features
Payment methods
- Visa
- Mastercard
- Amex
- Discover
- Apple Pay
- Google Pay
- PayPal
- ACH
- SEPA
- BNPL
- Wallets
- Wire
Integrations & deployment
- API
- Hosted checkout
- Drop-in UI
- Mobile SDK
- Payment links
- Shopify
- WooCommerce
- Magento
Capabilities
- Recurring billing
- Multi-currency
- Fraud protection
- 3D Secure
- Tokenization
- Marketplace split
- Reporting dashboard
- Developer-friendly
At a glance
- Currencies
- 150+ processing currencies with settlement in 20 currencies
- Payout
- Varies
- PCI level
- Level 1
- High-risk friendly
- Yes
Reviews
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Frequently asked questions
- How much does Checkout.com cost?
- Checkout.com does not publish rates. Every merchant is quoted individually, either a flat rate based on business profile and risk category or an Interchange++ contract where card scheme and processor costs are passed through at cost. Checkout.com says there are no setup, maintenance or surprise fees, and registered charities process free of charge.
- Is Checkout.com suitable for small businesses?
- Generally not. There is no self-serve signup and no published pricing, and third-party reviewers consistently report that Checkout.com engages best with merchants processing roughly 1 million dollars a month or more. Smaller online businesses are usually better served by a self-serve provider such as Stripe or Mollie until their volume justifies enterprise negotiation.
- How fast does Checkout.com pay out?
- Settlement timing depends on region and currency, ranging from minutes to a few days. Checkout.com supports same-day T+0 settlement with two intraday payouts inside banking hours, and settles in 20 currencies. Established UK merchants typically see next-working-day settlement.
- Does Checkout.com accept high-risk merchants?
- Selectively, yes. Restricted categories such as licensed gambling and gaming, forex and crypto businesses can onboard after enhanced due diligence, and some betting activity requires prior written consent. Unlicensed operators in those verticals are not accepted, and new or higher-risk accounts may carry rolling reserves.