Checkout.com
Checkout.com Payment Gateway Overview
Checkout.com is a global payment gateway that provides businesses with a comprehensive solution for accepting and processing online payments. As a full-stack payments provider, Checkout.com combines gateway, acquiring, and processing services into a unified platform, enabling businesses to optimize payment performance, reduce friction, and support international growth.
Global Reach and Local Expertise
Checkout.com supports businesses in over 50 countries, offering domestic acquiring and settlement in nearly 20 currencies. With the ability to process payments in more than 150 currencies, it enables companies to expand globally while maintaining local payment experiences. This extensive coverage includes direct acquiring relationships in key markets, ensuring faster, more reliable transactions and higher authorization rates.
Diverse Payment Method Support
To cater to a wide range of customer preferences, Checkout.com supports a comprehensive suite of payment methods, including:
- Card Schemes: Visa, Mastercard, American Express, Discover, JCB, and Diners Club International.
- Digital Wallets: Apple Pay, Google Pay, PayPal, and Alipay.
- Bank Transfers: ACH, SEPA, and local bank transfer options.
- Alternative Payment Methods: Buy Now, Pay Later services like Alma, and regional options such as Bancontact in Belgium.
This extensive payment method support ensures that businesses can meet the payment preferences of customers across different regions.
Flexible Integration Options
Checkout.com offers multiple integration methods to suit varying business needs and technical capabilities:
- Unified Payments API: A single API that provides access to all payment processing features, allowing for complete customization and control.
- Flow: A pre-built, customizable payment interface that can be embedded directly into websites, offering a seamless checkout experience.
- Hosted Payment Page: A secure, Checkout.com-hosted payment page that simplifies compliance requirements.
- Payment Links: Simple, no-code solution to accept payments via shareable links across various channels.
- Plugins and SDKs: Ready-made integrations for popular e-commerce platforms and mobile applications.
These options provide businesses with the flexibility to choose the integration method that best aligns with their resources and goals.
Robust Security and Compliance
Security is a cornerstone of Checkout.com’s services. The platform is certified as a PCI DSS Level 1 Service Provider, the highest standard in the payment industry. Additionally, Checkout.com complies with various international regulations and holds licenses from financial authorities in the UK, France, Australia, Singapore, and other jurisdictions.
The company also offers advanced fraud detection tools, 3D Secure 2.3.1 authentication, and tokenization to protect sensitive payment data.
Performance Optimization and Analytics
Checkout.com’s platform includes features designed to enhance payment performance and provide actionable insights:
- Intelligent Acceptance: Utilizes machine learning to optimize authorization rates and reduce declines.
- Real-Time Account Updater: Automatically updates expired or changed card details to minimize payment interruptions.
- Detailed Reporting: Offers comprehensive analytics on transactions, settlements, and disputes, enabling businesses to make informed decisions.
These tools help businesses streamline operations and improve the overall customer payment experience.
Developer-Friendly Resources
For developers, Checkout.com provides extensive documentation, SDKs, and a sandbox environment to facilitate smooth integration and testing. The platform’s developer portal includes guides, API references, and support resources to assist with implementation and troubleshooting.
Key Features Summary
- Global Coverage: Supports payments in over 150 currencies with local acquiring in 50+ countries.
- Comprehensive Payment Methods: Accepts a wide range of cards, digital wallets, and alternative payment methods.
- Flexible Integration: Offers multiple integration options, including APIs, hosted pages, and plugins.
- Advanced Security: PCI DSS Level 1 compliant with robust fraud prevention tools.
- Performance Tools: Features like Intelligent Acceptance and Real-Time Account Updater to optimize transactions.
- Developer Support: Provides comprehensive resources for seamless integration.
Checkout.com stands out as a versatile and secure payment gateway solution, suitable for businesses aiming to expand globally while providing localized payment experiences. Its robust feature set, combined with flexible integration options and strong compliance credentials, makes it a compelling choice for companies seeking to enhance their payment processing capabilities.
Frequently Asked Questions (FAQs)
What types of businesses does Checkout.com target?
Checkout.com primarily targets enterprise-size merchants. It focuses on specific industry verticals including Entertainment, Finance, and Software & SaaS.
What payment methods does Checkout.com support?
The platform supports a diverse range of payment types such as Cards, ACH, Digital Wallets, and Buy Now, Pay Later services. Specific methods include global brands like Visa, Mastercard, American Express, PayPal, Apple Pay, and Google Pay, as well as regional options like Alipay, Klarna, and SEPA Direct Debit.
Does Checkout.com support recurring billing and subscriptions?
Yes, Checkout.com offers comprehensive support for recurring billing and subscription flows. To ensure transaction success, it provides Card Updater Services and tokenization capabilities.
Is Checkout.com compliant with security standards?
Checkout.com adheres to strict regulatory standards, including PCI DSS, PSD2, and GDPR. The platform mitigates risk through automated KYC/underwriting, chargeback management, and advanced fraud prevention tools.
Which third-party platforms integrate with Checkout.com?
Merchants can integrate Checkout.com with major platforms such as Shopify, Magento (Adobe Commerce), WooCommerce, BigCommerce, Salesforce, and SAP. For custom builds, it offers Web Services APIs and SDKs for Android, iOS, Flutter, and React.
Does Checkout.com support marketplace business models?
Yes, the provider supports marketplace capabilities, including split payments for distributing funds among multiple parties. It also utilizes payment orchestration and smart routing to optimize transaction flows.
What customer support channels are available?
Checkout.com provides 24/7 support through live chat and an online portal. Additionally, merchants can access a dedicated account manager for personalized assistance.
What regions does Checkout.com serve?
The company operates globally, supporting regions such as North America, Europe, Asia, the Middle East, Africa, and South America. It facilitates international business through cross-border acquiring and multi-currency support.