Overview
Checkout.com is a payment processor for large online businesses. It offers a unified payments API for cards, wallets and local methods, AI-based acceptance optimisation, fraud and risk tools, payouts and card issuing, and says it processed $300 billion of e-commerce payments for enterprise merchants in 2025.
Pricing is not published. You choose between a flat rate set by your business profile and risk category, or interchange++ with card scheme, processor and interchange fees itemised. There are no setup or account maintenance fees, and registered charities process for free.
Recurring payments use stored credentials and network tokens in the Checkout.com Vault, but there is no built-in subscription billing product. It is a processor, not a merchant of record.
Before contacting sales, gather your monthly volume, card mix and countries, since both the flat-rate and interchange++ quotes depend on them. Checkout.com also offers data migration assistance when moving stored cards from another processor.
Pricing and plans
| Plan | Price | What you get |
|---|---|---|
| Flat rate | Custom | Priced on business profile and risk category |
| Interchange++ | Custom | Scheme, processor and interchange fees shown separately |
| Charities | Free | Free processing for registered charities in countries where it operates |
What it does
- Unified Payments API
- One integration for cards, wallets and local payment methods in 150+ currencies.
- Intelligent Acceptance
- AI engine that optimises authorisation routing and retries.
- Vault and network tokens
- Stores customers, cards and network tokens for repeat and recurring charges.
- Fraud and risk tools
- Machine-learning fraud monitoring included in pricing.
- Payouts and issuing
- Global money movement and card issuing on the same platform.
Strengths and limitations
Strengths
- Choice of flat or interchange++ pricing
- Local acquiring in 45+ countries
- No setup or maintenance fees; fraud tools included
- Dedicated account management
Limitations
- No public rate card; every price needs a sales conversation
- Built for enterprise volumes, not self-serve signup
- No subscription billing engine
- Not a merchant of record
Who it suits
Good for
- High-volume digital merchants negotiating processing costs
- Companies adding a second processor for routing
- Marketplaces and travel businesses selling across many countries
Look elsewhere if
- Side projects and early startups
- Teams that want published prices before talking to sales
Alternatives to Checkout.com
| Tool | From | Free option | Stages |
|---|---|---|---|
| PayPal Braintree Payment processor (gateway and merchant account) | Usage-based | ||
| Razorpay Payment gateway (India, plus US, Singapore, Malaysia) | Usage-based | ||
| Lago Open-source usage-based billing | — | ||
| FastSpring Merchant of record for software | — | ||
| Stripe Billing Subscription billing | Usage-based | ||
| Stripe Payments Payment processor (API-first) | Usage-based |
Questions
How much does Checkout.com charge?
Checkout.com does not publish rates. It offers flat-rate or interchange++ pricing by quote, with no setup or maintenance fees.
Is Checkout.com a merchant of record?
No. It processes payments for you; you remain the seller.
Is Checkout.com free for charities?
Yes, it states that registered charities get free payment processing in the countries where it operates.
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