Verdict
Checkout.com combines gateway, acquirer and processor, so merchants can integrate once and add payouts, issuing, fraud tools, local acquiring and identity checks as they grow. The company lists 150+ currencies for processing along with 57 domestic processing countries, and from September 9, 2026 it began to acquire US card payments directly on its Georgia bank charter. Its SDKs cover mobile and seven back-end languages, and a self-serve test account is available.
The commercial side discloses less. A price list is absent, with only a choice between interchange++ fees and flat-rate pricing based on business profile, while service status appears in the dashboard, with no public page for it. During November 2025, the company reported an incident tied to a legacy third-party system used for file storage, and it said card numbers, merchant funds and payment processing were not affected and it refused the ransom demand.
Score breakdown
How Checkout.com is scored on criteria buyers in this category care about.
Buyer outcomes
Checkout.com's own pages cite 150+ currencies for processing, 57 countries for domestic processing and more than 50 methods of payment.
Intelligent Acceptance uses AI to tune approvals, and direct acquiring now covers the US, but uptime cannot be checked on a public status page.
API reference and public documentation, mobile SDKs, a self-serve test account and back-end SDKs covering seven languages.
A vault, dispute management, identity verification, 3DS authentication and fraud detection are in the same platform.
Company and commercial
Issuing, payouts, acquiring and gateway across one platform, with more than $300 billion of 2025 payment volume, by its own count, and a US bank charter active since September 2026.
Support site includes an AI agent, tutorials and a request form, and the pricing page lists dedicated account management.
Rates go unpublished, and buyers pick interchange++ or flat-rate pricing via sales, while registered charities receive free processing.
Custom contract terms are negotiated through sales.
The field at a glance
Placement of Checkout.com by Overall Score among Payments & acquiring companies reviewed by us.
Use-case fit
| Use case | Fit | Notes |
|---|---|---|
| Acquiring globally for an enterprise merchant | Strong | Local processing for 57 countries through one API. |
| High-risk verticals such as crypto and gaming | Strong | Use cases it lists, with identity and fraud tools included. |
| Payouts and card issuing | Strong | Payouts and issuing share the platform used for acceptance. |
| Simple needs for a small business | Poor | Enterprise sales process, and rates stay unpublished. |
Who it's for
Good fit
- Merchants selling globally in enterprise e-commerce and travel
- Companies in fintech, gaming and crypto with complex risk needs
- Merchants who want issuing, payouts and acquiring from one provider
Poor fit
- Small merchants seeking published pricing
- Buyers requiring a public status page
- Teams seeking self-serve setup without sales
Key facts
| Coverage | 57 domestic processing countries and 150+ currencies for processing Source |
|---|---|
| US bank charter | Direct US acquiring since September 9, 2026 on a bank charter for a Georgia merchant acquirer Source |
| Pricing | No public rates; custom interchange++ or flat-rate pricing Source |
| Certifications | ISO 27001:2022, SOC 2 Type II, SOC 1 and PCI DSS Level 1 service provider Source |
| Incident disclosure | November 2025 statement about the legacy third-party storage incident Source |
Sources
- Checkout.com homepage: https://www.checkout.com/ (As of September 23, 2026)
- Checkout.com mission and offices: https://www.checkout.com/mission (As of September 23, 2026)
- Checkout.com pricing: https://www.checkout.com/pricing (As of September 23, 2026)
- Checkout.com international coverage: https://www.checkout.com/solutions/international-coverage (As of September 23, 2026)
- Checkout.com regulatory certificates: https://www.checkout.com/legal/certificates (As of September 23, 2026)
- Checkout.com Trust Center: https://trust.checkout.com/ (As of September 23, 2026)
- Checkout.com SDKs: https://www.checkout.com/docs/developer-resources/sdks (As of September 23, 2026)
- Checkout.com support: https://support.checkout.com/hc/en-us (As of September 23, 2026)
- Checkout.com service status article: https://support.checkout.com/hc/en-us/articles/30102758655250-How-will-I-know-if-there-s-a-service-outage-or-incident (As of September 23, 2026)
- Checkout.com US direct acquiring goes live: https://www.checkout.com/newsroom/checkout-com-goes-live-with-us-direct-acquiring-under-malpb-charter (As of September 23, 2026)
- Checkout.com 2025 results: https://www.checkout.com/newsroom/checkout-com-returns-to-full-year-profitability-and-surpasses-300b-in-volume-as-it-positions-for-the-era-of-agentic-commerce (As of September 23, 2026)
- Checkout.com legacy system incident statement: https://www.checkout.com/newsroom/statement-regarding-a-legacy-system-incident (As of September 23, 2026)
- Checkout.com on Wikipedia: https://en.wikipedia.org/wiki/Checkout.com (As of September 23, 2026)
Methodology
This page sets out an independent evaluation of Checkout.com for companies choosing a provider in Payments & acquiring. The Fintech Index accepts no payment for placement, sponsorship or advertising, and Checkout.com paid nothing for this review.
The Overall Score averages eight criteria, each given a score from 0 to 10. Four measure outcomes that matter to buyers in this category, and four address the company, including its commercial terms.
Scores are our editorial reading of public information: filings, compliance disclosures, product documentation, and pricing and legal pages. Lab tests were not run and accounts were not opened for this review. We checked the facts on September 23, 2026.