Online payment processing that powers growth

Through a single integration, Checkout.com provides online payment gateway services, payment processing, domestic and international acquiring, and powerful fraud detection capabilities.

We can help our merchants access the right payment methods, improve their authorization rates, settle funds to bank accounts faster, and more by leveraging cutting-edge technology and deep industry expertise.

We offer the largest international debit and credit cards including Visa, Mastercard, American Express, Diners Club International, Discover, Maestro, and JCB. We also offer domestic cards and local processing including Bancontact, Cartes Bancaires, KNET and more.

Our unified payment solution enables our merchants to gain access to better data and business analytics, improve security and lower compliance costs, optimize payments performance across the payment flow, benefit from higher authorization rates, more easily enter new markets, and provide a better user experience.

Using a modern payments platform can significantly increase transaction acceptance rates and reduce costs. Payments data available in a variety of customizable reports and dashboards aids revenue generation by providing information about your customers, the ability to understand how individual transactions are performing, and to set benchmarks for future performance.

With a legacy provider, this data may be hidden or difficult to analyze. With our deep data insights, merchants can gain access to a detailed view of their transaction success, quickly understand when authorization rates are underperforming, and improve their payment processing flows.

After a customer enters their card details to buy goods or services on your website, you send a payment authorization request to your payment processor. The processor submits transactions to the appropriate card scheme. Once this has happened they arrive at the bank that issued the customer’s card.

These submissions include details like the expiry date, CVV, AVS, and 3D Secure authentication, which the issuing bank uses as part of their decision process to approve or decline the payment, along with the cardholder’s balance and other factors. If approved, they’ll reserve the funds against the customer’s account.

After this, an authorization or decline code is sent by the issuing bank to the card scheme, payment processor and finally to you. All this can happen in under a second.

Next, the payment processor requests funds from the issuing banks, which are charged to the cardholder and transferred to the processor, minus interchange fees. Finally, the processor deposits the funds into your bank account.

Learn more: what is credit card processing?

Authorization happens in near real-time, and you can use our platform to control when we capture reserved funds from your customers’ accounts. This can be at the point of purchase, or up to seven days from the time of authorization if you need to check your inventory before shipping goods.

Once we capture funds from your customers’ accounts, the delay before we pay out funds to your bank account is typically two days, but this can vary based on your agreement with us.