Checkout.com

What Checkout.com does

Checkout.com helps businesses take payments and disburse funds through cards, bank transfers, direct debits, vouchers and digital wallets. It supports recurring and marketplace payments.

The service offers hosted payment pages, Payment Links, ecommerce plugins, APIs and mobile software kits. Its platform covers more than 150 processing currencies and local acquiring in over 50 countries.

Fees and plans

Checkout.com lists pricing as on request. Its tailored plan is priced after reviewing a business profile and risk category, with flat-rate or interchange-plus options. The pricing page says there are no setup fees or account-maintenance fees.

Fraud Detection's basic version is free with preset settings. Fraud Detection Pro is paid and adds customizable controls for larger merchants. Registered charities can receive free payment processing in countries where Checkout.com operates.

The published facts do not give transaction rates, exchange-rate margins, a monthly charge, or a free-trial length.

Where it runs

Checkout.com is a hosted cloud service with web dashboards, hosted payment interfaces and APIs. It is not described as self-hosted.

Businesses can connect through Android and iOS mobile SDKs, ecommerce plugins, Flow, Payment Links, hosted pages or a full-card-details API. The facts do not describe a standalone consumer phone app.

Official plugin coverage includes Shopify, Magento, BigCommerce, WooCommerce, Salesforce Commerce Cloud, SAP Commerce Cloud and Chargebee. Public SDK repositories include Node.js, PHP, .NET, Java, Python, Ruby and Go, plus Android components.

Protection and controls, as Checkout.com publishes them

Checkout.com states that it is PCI DSS Level 1 compliant and that its systems are ISO 27001 certified. Its 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.

The provider says production data is encrypted at rest and in transit and that it maintains security, privacy, risk-management and incident-response programs. Fraud Detection uses network intelligence, machine-learning risk scores, device data, velocity rules, allowlists and blocklists.

Its Disputes product supports chargeback prevention, evidence handling, dispute analytics and automated reconciliation through the dashboard and API. The published facts do not state deposit protection, regulator licensing or two-factor sign-in.

Strengths

The platform combines broad currency and local-acquiring coverage with cards, bank transfers, direct debits, vouchers and wallets.

Businesses can choose hosted pages, Payment Links, plugins, APIs or mobile SDKs. The provider says its Solution Engineering team helps with integration and live monitoring after launch.

A free basic Fraud Detection tier, charity processing and dispute tools are published options.

Catches and conditions

Most pricing is not posted. Tailored pricing depends on the business profile and risk category, so transaction costs and any exchange-rate margin need confirmation before signup.

Free charity processing is limited to registered charities in countries where Checkout.com operates. Fraud Detection Pro is paid, and the free trial's duration and conditions are not given.

Country coverage, supported currencies, payment methods and any account or processing limits should be checked for the particular business.

Who may want something else

Checkout.com may not fit a person seeking a simple personal payment app, a self-hosted gateway or published standard rates. It is described as a service for businesses, including large businesses.

A business comparing gateway providers can review payment gateways.

Verdict

Checkout.com suits businesses that need many payment methods, international processing, recurring or marketplace payments and several integration routes. Its hosted model, APIs, plugins and mobile SDKs cover different technical setups, while fraud and dispute products add operational tools.

The main unknown is cost. Standard transaction pricing, exchange-rate margins and trial terms are not published in the facts. Charity processing and basic Fraud Detection are free only under stated conditions. Businesses that need clear public rates, personal payments or self-hosting may find another category of provider a closer match.

Questions