Checkout.com
An acquirer with its own gateway built in — one party for the checkout and the settlement, which is simpler to run and harder to leave.
- Provided by
- Checkout.com
- Category
- Acquirer-tied
Tied in the direction that matters to a merchant: the gateway settles through Checkout.com’s own acquiring and cannot be pointed at somebody else’s. It runs the other way too — as an acquirer, Checkout.com can sit behind another gateway — but that is a choice about who settles, not about who hosts the checkout.
- Status
- Current
- Integrations
- Hosted checkout, Embedded checkout, REST API, Payment links
- Features
- Fraud tools, Tokenisation
- Payment methods
- Apple Pay, Google Pay
- Also acquires
- Yes — Checkout.com is an acquirer too
Checkout.com is an acquirer that built its own gateway rather than a gateway that went looking for acquiring. For a merchant that means one contract, one integration and one party to call when a transaction does not settle — which is a real operational advantage and the main reason large merchants choose it.
It is also what ties it. The gateway settles through Checkout.com’s acquiring; it is not a router you can point at a bank. The relationship does work in the other direction — as an acquirer, Checkout.com can sit behind a different gateway — but that is a decision about who settles the money, not about who hosts the checkout, and a merchant who takes the whole stack is making one decision rather than two.
Hosted and embedded checkout, a REST API, payment links, fraud tooling, tokenisation, Apple Pay and Google Pay. It is built for enterprise volume rather than for a small merchant, which shows in both the integration work and the commercial terms.
The question worth asking before committing a build is what leaving looks like. Where the gateway and the acquiring come from the same party, changing either one usually means changing both.
Developer resources
Checkout.com's own documentation, for whoever has to build against Checkout.com.
What it costs
Checkout.com does not publish gateway fees for Checkout.com. The merchant service fee is negotiated on your volume and card mix. Find out what yours should be.
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