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Checkout.com Online Payments

Company overview

About Checkout.com

What the company provides

  • Acquirer
  • Processor
  • Gateway
  • Merchant account provider
  • Payment service provider
  • Payouts
  • Platform payments
  • Card issuer
  • Payment gateway

Merchant accounts, gateway access, transaction processing and funds handling depend on the selected product.

Checkout.com provides merchant acquiring and online payment processing, a separate payment-gateway route for merchants that keep another acquirer, platform payments for marketplaces and payment facilitators, card and bank payouts, and card issuing.

The contracting entity, sponsor bank, merchant approval, settlement route and permitted business activity depend on the country, product and agreement.

Founded 2012checkout.comUpdated Jul 31, 2026

Selected product

Checkout.com Online Payments

Merchant account & underwriting

  1. Merchant account

    Included: Checkout.com contracting entity or sponsor bank, depending on the country and agreement

  2. Merchant underwriter

    Merchant approval is shared by Checkout.com, the applicable sponsor bank and payment method, as required

    The merchant application and final merchant-account decision are shared by Checkout.com, the applicable sponsor bank and payment method, as required.

Primary legal entity

Checkout Ltd

Jurisdiction
United Kingdom
Registration number
08037323
Company type
Private limited company

Legal entities by jurisdiction

4 legal entities across 3 jurisdictions

  • United States2 entities
  • France1 entity
  • United Kingdom1 entity

The legal entity supplying a product can differ by product and country.

Product portfolio

Checkout.com products

Compare payment acceptance, payment technology, platform payments, payouts, and card issuing by account setup, approval, payment or data flow, and contract terms.

Checkout.com Online Payments

Role in this product

  • Payment service provider
  • Payment gateway
  • Payment processor

Accept online payments through Checkout.com's gateway, processing and Acquiring Service.

Checkout.com or the applicable sponsor bank acquires the approved payment methods and settlement is paid to the merchant's nominated bank account after deductions, any deferred-settlement period and any reserve requirements.

Related services
Alternative payment methodsChargeback managementDirect APIEmbedded checkoutFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementPayment linksPayment vaultRecurring billing
Features
AcquiringMerchant accountGatewayCheckoutPricingSettlementOnboardingUnderwritingReservesFraud and riskChargebacksReportingCompliance

Checkout.com Payment Gateway

Role in this product

  • Payment gateway

Send transaction information through Checkout.com to a supported alternative payment method or to the merchant's own third-party acquirer.

The merchant keeps the acquiring relationship; this route does not itself establish Checkout.com acquiring, merchant settlement or a Checkout.com merchant account.

Related services
Direct APIEmbedded checkoutHosted checkoutPayment linksPayment vault
Features
GatewayCheckoutPricingClient onboardingReportingCompliance

Checkout.com Integrated Platforms

Role in this product

  • Platform payments

A marketplace and payment-facilitator configuration for sub-merchant onboarding, payment acceptance, split funds, balances and payouts.

The platform onboards and monitors its sub-merchants and remains liable to Checkout.com for their transactions, refunds, chargebacks and assessments.

Related services
Marketplace paymentsPlatform paymentsSeller onboardingSeller payouts
Features
AcquiringGatewayCheckoutPayoutsPricingSettlementOnboardingUnderwritingReservesFraud and riskChargebacksReportingCompliance

Checkout.com Payouts

Role in this product

  • Payouts

Send Outward Payments to eligible card or bank accounts through the Unified Payments API.

Payouts use funds Checkout.com already holds for the merchant or a separately funded balance; recipient, corridor, currency, rail, timing, limit and compliance approval remain route-dependent.

Related services
Customer payoutsDirect APISeller payouts
Features
PayoutsPricingOnboardingReportingCompliance

Checkout.com Issuing

Role in this product

  • Card issuer
  • Issuing service provider

Issue and manage approved physical or virtual Visa and Mastercard cards through the API or Dashboard.

Cards spend from a funded Company Account; Issuing is not merchant acquiring and does not extend credit to the company or its authorized users.

Related services
Card issuing
Features
IssuingPricingOnboardingReportingCompliance

Selected product

Checkout.com Online Payments

Related services
12 capabilities
Features
13 capabilities

Business activation, processing & settlement

Who activates the business, processes customer payments, handles refunds and chargebacks, and settles the proceeds.

01 · Role in this product
Payment service provider · Payment gateway · Payment processor
02 · Payment service setup
Included: Checkout.com contracting entity or sponsor bank, depending on the country and agreement
03 · Business activation
Merchant approval is shared by Checkout.com, the applicable sponsor bank and payment method, as required
04 · Payment proceeds
Custom acquirer to merchant settlement

Selected product: Checkout.com Online Payments.

Payment processing

Checkout.com Online Payments: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: Checkout.com Online Payments

Included in Checkout.com Online Payments

Features included with this product.

Solutions
Alternative payment methodsChargeback managementDirect APIEmbedded checkoutFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementPayment linksPayment vaultRecurring billing
Capabilities
AcquiringMerchant accountGatewayCheckoutPayment vaultRecurring billingPricingSettlementOnboardingUnderwritingReservesFraud and riskChargebacksReportingCompliance

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for Checkout.com Online Payments; any separate merchant account or acquirer is shown only when identified.

Included

Merchant acquiring

Merchant account, card-network access, sponsor bank and acquirer.

Acquiring responsibilities

Who provides the merchant account, acquires transactions and settles merchant funds for this product.

Role in this product
Payment service provider
API-oriented
Yes
Merchant funds
Handles merchant funds at one or more stages
Merchant funds
Yes
Transaction processing
Yes
Merchant settlement
Yes
Direct acquiring
Yes
Merchant account
Yes
Gateway included
Yes
Onboarding included
Yes
Seller of record
No
Merchant account model
Acquiring Service for the merchant's approved products, websites, transaction profile and payment methods. The contracting entity or sponsor bank depends on the jurisdiction and agreement.
Availability
Merchant country, contracting entity, business activity, license, payment method, customer country, transaction profile, chargeback history, sponsor-bank requirements, risk review and contract dependent.

Merchant account

Merchant account, acquiring and settlement

Capabilities
  • Online payment acquiring
  • Payment processing
  • Merchant settlement
  • Contracting entity or sponsor bank acquiring
  • Supported card and alternative payment methods
Merchant account
Yes

Sponsor bank & acquirer

US ISO sponsor banks
  • Cross River Bank
  • Pathward, National Association
Sponsor relationships
  • Country: United States · Sponsor banks: Cross River Bank and Pathward, National Association · Role: The applicable bank is a principal Visa and Mastercard member, signs the agreement, provides regulated acquiring sponsorship, facilitates settlement and holds reserve and FBO accounts.
Questions to confirm

What dedicated MID applies to Checkout.com Online Payments?

Dedicated MID is not specified for Checkout.com Online Payments.

What domestic or offshore MID applies to Checkout.com Online Payments?

Domestic or offshore MID is not specified for Checkout.com Online Payments.

Which legal entity is the acquirer or merchant-account provider in the signed agreement?

Checkout.com Online Payments may be contracted through different regulated entities or sponsor banks.

Merchant eligibility · Checkout.com Online Payments

Can my business apply, and who makes the underwriting decision?

Merchant approval is shared by Checkout.com, the applicable sponsor bank and payment method, as required.

Merchant eligibility

Registered-entity and country eligibility is not specified

Company offices do not establish merchant eligibility.

Underwriting decision

Merchant approval is shared by Checkout.com, the applicable sponsor bank and payment method, as required

The merchant application and final merchant-account decision are shared by Checkout.com, the applicable sponsor bank and payment method, as required.

Underwriting type
Merchant underwriting
Product
Checkout.com Online Payments
Owner & operating location
Owner, director and operating-location requirements are not specified
Regulated-business license
Required for regulated businesses

The accepted license, jurisdiction and operating entity are not specified.

01Merchant eligibility & restrictions

What are the eligibility requirements and restricted business types?

Underwriting requirements and restrictions determine whether the merchant can be accepted. Serving an industry does not mean every merchant in that industry will be approved.

Eligibility requirements

01

Mastercard MATCH

Not accepted

02

Previous termination

Not accepted

03

Business bank account

Required

04

High-volume processing

Available

05

Processing statements

Not specified

Confirm how many complete statement months are required

06

Eligibility information

The Acquiring Service applies only to approved products, websites, merchant category codes and transaction profiles. Checkout.com may impose reserves, additional collateral, a deferred settlement period or other risk controls.

07

Merchant application decision

Requested product, contracting entity, sponsor bank, merchant and customer countries, business activity, license, transaction profile, payment-method rules, chargeback and fraud exposure, compliance review and contract dependent.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Declined lines of business

Adult entertainment and pornography, Cannabis marijuana and related businesses, Illegal drugs and controlled substances, High risk file hosting and cyberlockers, Mail order spouse and global matchmaking, Pyramid and ponzi schemes, and Weapons firearms and ammunition

Preapproval required

Gambling gaming betting lotteries fantasy sports and sweepstakes, Money transmission stored value and virtual currency, Securities options futures forex and investments, Debt and loan businesses, Dating services, Travel airlines hotels and event ticketing, Dropshipping, Internet pharmacies and prescription products, Moto businesses, Nutraceuticals CBD food supplements alcohol and tobacco, and Payment facilitation and aggregation

02Underwriting documents

What must be ready before underwriting starts?

The application, supporting documents and underwriting checks required before a merchant account can be opened.

Underwriting documents

Prepare documents → submit application → merchant underwriting

Missing documents or eligibility details can delay the underwriting decision.

Application documents

Documents to prepare

  1. 01Company registration
  2. 02Owners directors and authorized representative
  3. 03Business bank account
  4. 04Website and product information
  5. 05Processing volumes and transaction profile
  6. 06Regulated business license
  7. 07Additional financial risk or fulfilment documents when requested
  8. 08Business registration information
  9. 09Owners and directors
  10. 10Authorized representative
  11. 11Website or application
  12. 12Products and services
  13. 13Processing countries currencies and volumes
  14. 14license for regulated activity

Merchant application & underwriting

  1. 01

    Submit business application

  2. 02

    Identify requested products and countries

  3. 03

    Provide company owners and representatives

  4. 04

    Provide website product transaction and volume information

  5. 05

    Provide licenses for regulated activity

  6. 06

    Complete risk compliance and bank review

  7. 07

    Agree pricing reserve settlement and product terms

  8. 08

    Activate approved products

Application checks

Underwriting checks

Application and activation requirements.

Website requirements

  • Working website or application
  • Clear products services and pricing
  • Terms privacy refund and contact information

Merchant-underwriting checks

  • Business verification
  • Beneficial owner and representative verification
  • Business model and website review
  • Credit fraud and chargeback risk
  • Sanctions and AML screening
  • Payment method and sponsor bank requirements
  • Declined and preapproval business policy

Merchant onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Business history, volume, account conditions, restrictions and review timing are not fully specified.

Business history & risk

Startup status, processing history, credit, MATCH and chargeback tolerance.

  1. 01

    Will you accept a startup with no operating history for this product?

    Startup eligibility is not specified.

  2. 02

    Will you consider adverse credit or a previous processor termination, and under what conditions?

    Eligibility after adverse credit or a previous processor termination is not specified.

  3. 03

    Is processing history required, and how many complete months of statements must I provide?

    Processing-history requirements and the minimum period are not specified.

  4. 04

    Will you consider prior high chargebacks, and what chargeback ratio is acceptable?

    Neither a complete high-chargeback policy nor an acceptable ratio is specified.

Volume & account conditions

Ticket limits, volume expectations, guarantees and bank-account rules.

  1. 05

    Is a personal guarantee required, and what business bank-account conditions must be met before activation?

    Personal-guarantee and business-bank-account requirements are not specified.

  2. 06

    What monthly-volume, average-ticket, maximum-ticket and high-volume review thresholds apply?

    Volume and ticket thresholds are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

  1. 07

    How long do preliminary and final approval take after a complete application is submitted?

    Approval time is not specified for at least one stage.

Vertical acceptance

Which high-risk verticals this provider answers for

Every row is a statement the provider publishes about a business type. Hover or focus a decision to read the original wording. A vertical with no row here is one the provider does not address.

Applies to

Everything this company was reviewed for

Vertical acceptance for Everything this company was reviewed for
VerticalProvider’s position
AdultProhibitedIn the provider’s wordsAdult entertainment and pornography
AlcoholConditions applyIn the provider’s wordsNutraceuticals CBD food supplements alcohol and tobacco
CBDConditions applyIn the provider’s wordsNutraceuticals CBD food supplements alcohol and tobacco
CryptoConditions applyIn the provider’s wordsMoney transmission stored value and virtual currency
DatingConditions applyIn the provider’s wordsDating services
Fantasy sportsConditions applyIn the provider’s wordsGambling gaming betting lotteries fantasy sports and sweepstakes
Financial servicesConditions applyIn the provider’s wordsDebt and loan businesses
Firearms and ammunitionProhibitedIn the provider’s wordsWeapons firearms and ammunition
Forex CFDConditions applyIn the provider’s wordsSecurities options futures forex and investments
HospitalityConditions applyIn the provider’s wordsTravel airlines hotels and event ticketing
iGamingConditions applyIn the provider’s wordsGambling gaming betting lotteries fantasy sports and sweepstakes
NutraceuticalsConditions applyIn the provider’s wordsNutraceuticals CBD food supplements alcohol and tobacco
Online pharmacyConditions applyIn the provider’s wordsInternet pharmacies and prescription products
Securities brokerageConditions applyIn the provider’s wordsSecurities options futures forex and investments
Tobacco and vapeConditions applyIn the provider’s wordsNutraceuticals CBD food supplements alcohol and tobacco
TravelConditions applyIn the provider’s wordsTravel airlines hotels and event ticketing
Payment methods & countries · Checkout.com Online Payments

Where can this merchant accept payments, and which methods are available?

Acquiring is included with this product; each payment method still depends on the merchant configuration.

Selected product

Checkout.com Online Payments

Availability depends on the product and merchant

Selected product

Applying merchant

Registered-entity and country eligibility is not specified

The business registration country, acquiring countries and customer countries are separate requirements.

Payment types

  • Bank debit
  • Bank transfer
  • Card payouts
  • Cards
  • Local payment methods
  • Real-time bank payments
  • Wallets

Currencies

≥150 payment currencies

The currencies total can include several products; the number available with this product depends on the agreement.

Availability depends on

  • Selected product
  • Contracting entity
  • Merchant country
  • Business activity
  • Customer country
  • Payment method
  • Currency
  • Sponsor bank or payment method approval
  • Risk and compliance approval
  • Account configuration

Acquiring is included with Checkout.com Online Payments. Payment-method availability depends on the legal entity, country, currency, industry, MCC and transaction type in the merchant agreement.

01Payment-method availability

Card acceptance, bank payment rails, digital wallets, and card payouts

Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

Card acceptance

Card types

  • Credit card
  • Debit card

Card brands

  • American Express
  • Discover
  • Mastercard
  • Visa

Bank payment rails

Bank methods

  • ACH direct debit
  • Bank payout
  • Local bank transfer

Bank-transfer rails

  • Fedwire
  • Faster Payments
  • SEPA Instant

Digital wallets

Wallets

  • Apple Pay
  • Google Pay

Card payouts

Card payout rails

  • Mastercard Send
  • Visa Direct
02Countries & availability

Where can the merchant be registered, where is acquiring available, and where can customers pay?

Merchant location, acquiring countries, customer location and product availability can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business registration country

    Where must the business be registered to apply?

    Registered-entity and country eligibility is not specified

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Merchant underwriting
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    The acquirer for each target country is not specified

    Selected product
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

    The payment methods included for the selected product, legal entity and merchant configuration are not specified.

  2. Which customer countries are available for each payment method in the agreement?

    Customer countries are not specified for each payment method.

  3. Which countries are available for each product and payment method?

    Country availability by product and payment method is not specified.

  4. Which country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

  5. Which legal entity provides acquiring, and which entity settles funds in each target market?

    Additional acquiring countries and the acquiring entity for each market are not specified.

  6. Which alternative payment methods are available for this product?

    Alternative payment methods are not specified for this product.

Pricing & funds · Checkout.com Online Payments

What does this product cost, and when are funds settled?

Fees and reserves are governed by the merchant-account agreement

Pricing

Standard processing rate is not specified for this product

The processing rate is not specified.

Pricing method

Custom quote

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

  1. 01 · Pricing plan

    • Online Payments custom pricing

  2. 02 · Pricing model

    • Interchange plus
    • Custom

Fee structure

Fees that may appear in the agreement for this product

  1. 01
    Possible fees
    May apply
    • Processing fee
    • Interchange
    • Payment method fees
    • Scheme fees
    • Foreign exchange fees

    Amounts and applicability vary by merchant agreement.

  2. 02
    Explicitly waived
    • setup fee

Fees requiring a quote

Amounts and waivers are not specified

monthly fee
application fee
annual fee
gateway fee
PCI fee
batch fee
early-termination fee
monthly minimum
02Reserve terms

Who holds the reserve, how much is withheld, and when is it released?

Reserve terms cover the holder, funding method, amount, hold period and release conditions.

Reserve terms

Reserve holder, amount and release terms

The holder, amount, hold period and release conditions form one reserve arrangement.

  1. 01

    Reserve type

    • Acquiring and Integrated Platforms reserve: Fixed reserve, Rolling reserve, and Post-termination hold

    Withheld from acquired funds, Additional collateral, and Balance minimum

  2. 02

    Hold & release

    • contractual release
  3. 03

    Amount

    Amount not specified

    A reserve may apply; its amount and cap are not specified.

03Merchant settlement

When are sale proceeds settled, and who sends them to the merchant?

Settlement makes processed sale proceeds available to the merchant.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement schedule

  • Online Payments merchant settlement: Set in agreement

Settlement methods

  • Methods: Nominated bank account

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. What is the effective processing price for Checkout.com Online Payments, including the percentage rate, per-transaction fee, interchange and card-network fees, and currency-conversion markup?

    Standard processing rate is not specified for the selected product.

  2. Which of these apply, at what amount and on what trigger: monthly fee, application fee, annual fee, gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

    Amounts and waivers are not specified for these fees.

  3. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

    The initial term, renewal and cancellation terms are not specified for this product.

  4. For Online Payments merchant settlement, what is the contractual settlement delay, cutoff timezone and treatment of weekends or holidays?

    The settlement frequency or delay, cutoff timezone, and treatment of weekends or holidays are not fully specified.

  5. Is there a minimum settlement amount, carry-forward rule or fee below threshold for Online Payments merchant settlement?

    A settlement minimum or carry-forward rule is not specified.

Reserve & held funds

  1. What percentage or fixed amount is withheld under Acquiring and Integrated Platforms reserve, is there a cap, and which transaction volume is used?

    A reserve may apply; its amount and cap are not specified.

  2. For Acquiring and Integrated Platforms reserve, when does the hold start, when is each tranche released, and what can extend the release?

    A hold period or release rule is not specified for at least one reserve policy.

Checkout flow · Checkout.com Online Payments

How do checkout, tokenization, provider connections and implementation work?

Checkout, payment processing, merchant settlement and reporting for this acquiring product

Checkout flow

Collect payment details → tokenize → submit → events & diagnostics

The checkout integration determines who controls the payment form, how payment details are tokenized, which providers receive the payment request, and which SDKs and webhooks are available.

Selected product

Checkout.com Online Payments

Checkout integrations, tokenization, provider connections, SDKs and webhooks.

  1. Checkout routes

    4 company checkout options

    Varies by product

  2. Gateway integration, security and transaction tools

    Unified payments API · Payment authorization capture void and refund

  3. Payment processing and funds handling

    Checkout.com provides payment acceptance and processing · Processes transactions

  4. Reporting & reconciliation

    Included with this product

01

Checkout routes

Which hosted, embedded or API checkout options are available?

The actual integration surfaces, UI ownership and deployment choices.

Checkout routes

Varies by product
  1. 01

    Unified Payments API

    Server-side API

    • Web
    • Mobile
    • Redirect: No
    • Merchant built checkout
    • Payment request
    • Capture
    • Void
    • Refund
    • Pay-ins
    • Payouts
  2. 02

    Flow

    Embedded checkout components

    • Web
    • Redirect: No
    • Provider hosted payment fields
    • Cards
    • Wallets
    • Local payment methods
  3. 03

    Hosted payments

    Hosted checkout

    • Redirect
    • Redirect: Yes
    • Provider hosted checkout
    • Cards
    • Supported payment methods
  4. 04

    Payment Links

    Hosted payment link

    • Hosted web page
    • Redirect: Yes
    • Payment link
    • Provider hosted checkout

Checkout.com offers these checkout options, but does not specify which one is included with Checkout.com Online Payments.

Checkout integration

Not specified

No checkout integration is specified for this product for Checkout.com Online Payments

02

Gateway integration, security and transaction tools

Which payment providers can checkout connect to?

API entry points, testing, events, tokens and authentication.

Selected setup

Connections entry point

How requests enter this product and which integration boundary applies.

Integration options

  • Unified payments API
  • Flow
  • Hosted payment page
  • Payment links
  • Mobile SDKs

Gateway integration, security and transaction tools

Connected payment-provider types

Connections
01

Transaction and security features

  • Unified payments API
  • Payment authorization capture void and refund
  • Webhooks
  • Tokenization
  • Network tokenization
  • 3-D Secure
  • Dashboard
02

Test environment

Sandbox available

03

Webhooks

Webhooks are available; supported events are not specified

04

Tokenization

  • Payment instrument token
  • Network token
05

3-D Secure

Supported

06

Merchant control panel

Yes

Connected acquirer / processor

Payment providers that can receive transactions from the gateway.

Connected acquirer and processor types

Assigned outside this product
  • Acquirer

A connected acquirer or processor may have separate pricing, contract and underwriting requirements.

Recurring operations

Recurring operations

Subscription creation, stored credentials, retries and who controls the schedule.

Recurring-payment features
  • Stored payment instrument
  • Merchant initiated subsequent payments
  • Account updater
  • Network tokenization
Billing types
  • Recurring card payment
  • Subscription
  • Instalment
Recurring feature availability
  • Checkout com approval
  • Buyer consent
  • Payment method rules
  • Applicable law
  • Account configuration
03

Payment processing and funds handling

Who collects and tokenizes payment details, authorizes payments and handles funds?

Who activates the business, processes and collects payments, handles refunds and chargebacks, settles proceeds and provides support.

Payment processing and funds handling

  • Checkout.com provides payment acceptance and processing
  • Processes transactions
  • Settles merchant funds
  • Handles merchant funds
  • Provides the merchant account
  • Provides direct acquiring
04

Reporting & reconciliation

Which SDKs, events and implementation diagnostics are available?

What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

Reporting & reconciliation

Checkout integration → tokenization → payment submission → webhooks & error reporting

Client SDKs, environments, webhook events, request logs and operational diagnostics.

  1. 01

    Reporting & reconciliation

    What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

    Consolidated reporting

    Included with this product

Before integration

Integration details not specified

  1. 01

    Which hosted, embedded or direct-API checkout is contracted for Checkout.com Online Payments, and who owns the UI and PCI scope?

    No checkout integration is specified for this product.

  2. 02

    Which webhook events are supported, how is the message signature verified, and what are the retry and delivery-order rules?

    Supported events, signature verification, retry and ordering rules are not specified.

Merchant funds, risk & support

Checkout.com Online Payments: risk, licenses & support

Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

01 / Processing, reserves & chargebacks

Who can suspend payment processing or hold merchant funds?

Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

Payment processing & funds

Merchant acquiring

Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

Role in this product
Payment service provider · Payment gateway · Payment processor
Who receives and settles funds
Custom acquirer to merchant settlement

Reserve or security deposit

Reserve funding and release

Acquiring and Integrated Platforms reserve

Reserve may apply
  1. 01

    Funding method

    Withheld from acquired funds · Additional collateral · Balance minimum

  2. 02

    Reserve type

    Fixed reserve · Rolling reserve · Post-termination hold

  3. 03

    Reserve amount

    Not specified

  4. 04

    Release

    Contractual release

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening, 3-D Secure, and dispute handling are available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

  3. 03

    After payment

    Disputes & chargebacks

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities
Fraud monitoringMachine learning risk scoringCustom risk rules3-D SecureNetwork tokenizationIntelligent acceptance
Signals
Transaction dataDevice and network dataMerchant risk rulesCheckout com network data

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

3-D Secure
Yes

AFTER PAYMENT

Disputes & chargebacks

Which dispute and chargeback tools are included?

Chargeback tools
Dashboard dispute managementDisputes APIDispute webhooksAccept or contest chargebackSubmit supporting documentsPre dispute alert services
Chargeback reporting
Yes
Chargeback report filters
PaymentReason codeStatusResponse deadline
Before signingReserve, chargeback, settlement hold and suspension terms5 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the service, and under which license or registration?

A company can use different legal entities, licenses or registrations for different payment products.

For this product

Contracting entity or authorization not specified

Payment service provider. The contracting entity, applicable license or registration, and permitted services are not specified for Checkout.com Online Payments.

The legal entity providing this product, its authorization or registration, and permitted payment services are not specified.

  1. 01 · Contracting entity

    Not specified for this product

  2. 02 · Authorization or registration

    Not specified for this product

  3. 03 · Permitted payment services

    Not specified for this product

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

3 entities · 3 licenses or registrations

Checkout Ltd

United Kingdom · Registry 08037323 · Private limited company

Electronic Money Institution

Financial Conduct Authority · Firm Reference Number 900816 · 2 permitted payment services · Active · Entity: Checkout Ltd

Other legal entities (2)

Checkout SAS

France · Registry 841033970 · Simplified joint stock company

Electronic Money Institution

Autorité de contrôle prudentiel et de résolution · Registration 17208 · 2 permitted payment services · Active · Entity: Checkout SAS

Checkout US, Inc.

United States · Corporation

Money transmitter licenses or authorizations in multiple US jurisdictions

Nationwide Multistate Licensing System · NMLS ID 1791692 · NMLS Consumer Access · Entity: Checkout US, Inc.

Security & regulatory information

These certifications, safeguarding arrangements and cross-border permissions apply to named company entities or to the company generally. Which ones apply to Checkout.com Online Payments is not specified.

01

Security standards

Certifications and assessments

PCI DSS Level 1 Service Provider

Service provider level 1

Before signingContracting entity, payment services license and legal terms3 items to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover Checkout.com Online Payments and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

Company contacts

Support hours are not specified for these contacts.

Sales

checkout.com/contact-sales

Merchant support

support.checkout.com/hc/en-uscomplaints@checkout.com

Developer

checkout.com/docs

General

checkout.com/legal/certificates
Before signingSupport contacts, hours and response times3 items to confirmReview contract terms
Checkout.com Online Payments / Before signing

What should the merchant agreement include?

Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Before signing

Checkout.com Online Payments: terms to confirm

Confirm each material commercial, operating and legal term in the agreements that govern this product.

Commercial & funding terms

Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

Approval, liability & exit

Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  2. 02Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  3. 03SupportSupport contacts, hours, response times and escalation.
Merchant agreement

Contract terms to confirm

Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.

  1. What events allow Checkout.com Online Payments to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  2. What reserve percentage and cap apply, and which obligations continue after termination?

    Reserve percentage and reserve cap are not specified. Release method: Contractual.

  3. What chargeback fee applies?

    Chargeback handling is included, but the fee is not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

  5. Who monitors card-network thresholds, and what happens before the merchant exceeds one?

    Card-network monitoring programs and escalation thresholds are not specified.

Legal entity & licenseContracting entity, license or registration, and regulated payment services.

  1. Which legal entity will sign the agreement for this product, and which license or registration applies?

    The contracting legal entity is not specified for this product.

  2. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

  3. Who receives security incidents, and what notification window applies?

    The security incident contact and notification deadline are not specified.

SupportSupport contacts, hours, response times and escalation.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Who handles escalations for payment failures, integration incidents and account restrictions?

    No escalation contact or process is specified for these incidents.

  3. Which support hours and contact channels cover Checkout.com Online Payments, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for Checkout.com Online Payments and the contacts for payment-processing or merchant-settlement issues are not specified.

Product summary

What this product already includes

What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

Included capabilities

Capabilities included with Checkout.com Online Payments.

  • Accept online payments through Checkout.com's gateway, processing and Acquiring Service. Checkout.com or the applicable sponsor bank acquires the approved payment methods and settlement is paid to the merchant's nominated bank account after deductions, any deferred-settlement period and any reserve requirements.