Online payment processing that powers growth
Process debit and credit card payments online, anywhere and access local payment methods through our global payments platform. Our regional expertise helps you capture more value in every transaction, increase sales, and optimize costs.
Increase acceptance rates everywhere
Get faster, more reliable payments with direct acquiring in every major market, plus 150+ currencies and local payment methods.
Shape your solution
Painlessly integrate, adapt, and manage your payments how you want to with our single payments API and developer-friendly tools.
Grow your revenue
Optimize every payment and create innovative products fast by using actionable data and instant insights.
Always stay ahead
Give customers the frictionless payment experiences they expect while keeping your payments compliant.
Driving leading global brands forward
International payments, local success
Optimize your global payments performance in each market using our deep local knowledge and local payment processing you can trust.
Global coverage
Our international coverage offers 150+ processing currencies and 20+ settlement currencies
Suite of payment methods
Local payment methods – debit and credit cards, alternative payment methods, bank transfers, and digital wallets
Local acquiring hubs
Direct local acquiring lowers costs by processing payments in cardholders’ local markets
Better customer experience
Expert local teams to navigate the nuances in every market
Online payment processing for complex needs
Integrate once. Add features and payment methods in any market anytime. You can adapt our single payments API to your needs – no matter how unique they are.
Proprietary, purpose-built tech with the latest technologies
Developer-friendly APIs and tools through one integration
Modular infrastructure – choose the solution that’s right for your business
The larger selection of card payment options allows customers to pick the ones that best fit their individual trading needs.
Optimize with actionable payments data
Granular
Understand and lower payment costs with a transaction-level view and a simple reconciliation process.
Accessible
See opportunities and fix problems quickly with our payments dashboard or reporting API that integrates with your existing platforms.
Actionable
Optimize every part of the payment journey and innovate with speed and confidence using first-hand data and instant insights.
Go beyond customer expectations
Keep customers coming back and increase conversion with safe and seamless online payment processing across all digital channels.
Payment interfaces
Use our range of integrated payment solutions to accept one off or subscription payments through web, mobile, social and email
Suite of payment methods
Smarter fraud detection offers machine-learning that uses data-driven insights to reduce risk
Local acquiring hubs
3D Secure authentication and innovations for frictionless payments with network tokenization
Empowering the innovators
"Because all our transactions flow through Checkout.com’s unified API, we’re able to easily adapt the solution to our needs across each of our key markets without incurring any additional complexity.”
"From a technical perspective, integrating with Checkout.com’s unified API was straightforward. While the support we had from everybody at Checkout.com, including the CEO, was exemplary at every step of the process."
“The success we've seen is testament to the expertise of the teams at Checkout.com, who truly understand how to help businesses turn payments into a catalyst for growth.”
“Checkout.com allowed us to increase our approval rates by a full percentage point, across billions of transactions a month that has a significant impact on our bottom-line.”
Compliance made easy
Stay ahead of evolving regulation as our online payments technology adapts automatically. From PCI DSS to Strong Customer Authentication, we’ve got you covered.
Frequently Asked Questions
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.
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