Learn how Checkout.com's payment gateway, card acquiring, and issuing platform works, its interchange++ pricing model, fees, and who it's built for.
Researched and fact-checked by Bartu Cavusoglu · Updated July 18, 2026
Checkout.com was founded in 2009 as Opus Payments by Guillaume Pousaz and rebranded to Checkout.com in 2012. Headquartered in London, the company grew into a global payments infrastructure provider with direct membership status across major card networks including Visa, Mastercard, American Express, UnionPay, and JCB, letting it operate as both a payment gateway and acquirer in many regions.
The company has raised approximately $3.8 billion, peaked at a $40 billion valuation in 2022, and reported reaching profitability in 2024, with a later valuation of roughly $12 billion reflecting broader fintech market corrections. It employs around 2,000 people across roughly 19 offices worldwide.
Checkout.com's core product, Flow, provides a customizable prebuilt payment interface, while Issuing lets businesses create physical and virtual cards. IDV offers AI-powered video identity verification, and Fraud Detection Pro applies machine learning to catch fraudulent transactions.
Intelligent Acceptance uses AI to optimize payment authorization rates, Business Account provides multi-currency fund management, and Payouts enables global disbursements — together forming a single API-driven platform for accepting, managing, and moving money.
Checkout.com uses an interchange++ pricing model that separates interchange, network scheme fees, and its own markup for transparency. Published flat rates are 0.95% plus $0.20 per transaction for European cards and 2.90% plus $0.20 for non-European cards.
Enterprise merchants with sufficient volume can negotiate custom interchange-plus pricing, sometimes as low as interchange plus 0.10%-0.40% and $0.08 per transaction, but exact enterprise rates require contacting the Checkout.com sales team.
Checkout.com is a global payment processing company offering a payment gateway, card acquiring, card issuing, identity verification, and fraud prevention through a single API.
Published flat rates are 0.95% plus $0.20 for European cards and 2.90% plus $0.20 for non-European cards; larger merchants can negotiate custom interchange++ rates.
Checkout.com is headquartered in London, United Kingdom.
No, Checkout.com is a payment services provider and acquirer, not a licensed bank, though it holds direct membership with major card networks.
Interchange++ separates a transaction's cost into the underlying interchange fee, the card network's scheme fee, and the processor's own markup, giving merchants visibility into each component.