Checkout.com Overview

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International Payment Specialists

Founded in 2010, Checkout.com is a merchant account provider that specializes in processing international payments for e-commerce businesses. According to the pricing section of its website, the company offers merchants interchange-plus pricing options. The company is similar to Stripe or 2Checkout in that it bundles its payment gateway with a merchant account as part of an all-in-one software solution. Checkout.com was originally known as “Opus Payments” before changing its name to Checkout.com in April 2012. The company supports payments in 159 currencies with 18 different payment methods, including six alternative payment methods such as digital wallets like Apple Pay and Google Pay.

Location and Ownership

Checkout.com has multiple offices throughout the world, but its U.S. office is located at 548 Market St, San Francisco, California 94104. Guillaume Pousaz is the founder and CEO of Checkout.com.

Checkout.com Review Table of Contents

  • Costs & Contract: Checkout.com offers interchange-plus pricing under month-to-month contracts with no early termination fees.
  • Complaints & Service: Checkout.com has received fewer than 10 public complaints.
  • BBB Rating: Checkout.com does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Checkout.com does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Checkout.com

Checkout.com Statement Analyzer

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Products & Services Offered

  • Debit and credit card processing
  • Online payment gateway
  • Customizable fraud prevention
  • Multi-currency support
  • WooCommerce/Magento/Shopify integration

Types of Businesses Served

  • E-commerce
  • International

Response from Checkout.com

Checkout.com helps companies accept more payments around the world through one integration. Their unified global payment processing platform features in-country acquiring, relevant payment methods, feature parity across geographies, fraud filtering, and reporting features, via one API. Businesses use Checkout.com’s proprietary payment platform for faster processing speeds, better reliability, and full access to customizable data streams. Processing 150+ currencies, Checkout.com has direct access to Visa, Mastercard, American Express, all major international cards as well as popular alternative and local payment methods. Their payment experts work with global businesses like TransferWise, Deliveroo, EasyGroup, and Samsung to optimize their payments with real-time data.

There are 300+ employees across seven offices in Europe, Middle East, US, and Asia Pacific.

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

Checkout.com Rates, Fees, and Costs

Key Points

Interchange Rate Interchange + 0.10%-0.40% + $0.08
European Cards 0.95% + $0.20
Non-European Cards 2.90% + $0.20
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms None

Straightforward Pricing

According to the company’s merchant agreement, Checkout.com offers a month-to-month contract with no early termination fee, no monthly fees, and no other fees besides its per-transaction pricing. Every Checkout.com user is eligible for the company’s flat transaction pricing, which charges 0.95% plus $0.20 for European cards and 2.90% plus $0.20 for non-European cards. Merchants who qualify for the Enterprise plan based on their sales volume and history will receive a per-transaction fee of interchange plus 0.10%-0.40% plus $0.08. These prices are comparable to the company’s competitors and require very little commitment from merchants.

Prohibited Businesses

Checkout.com does have an extensive list of prohibited business types that merchants should be sure to read before signing up. The company has received a handful of online complaints, and it seems likely that the majority of these are related to account deactivations and violations of its prohibited business policies.

A Poor Choice For Small Merchants

A few available merchant comments about Checkout.com have mentioned that the company’s screening process and pricing make it a poor fit for very small companies, so new or low-volume merchants may want to check with the company before signing up. Though not included with our list of the cheapest merchant accounts, Checkout.com appears to offer an integrated, international payment processing solution for a fair price.

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Response from Checkout.com

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Checkout.com Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Low Complaint Total

We are currently able to locate only five negative Checkout.com reviews, and there is no indication that the company is a ripoff or a scam. The available complaints about the payment processor mention difficulty with account activation, unreachable email support, fund holds, and prohibitively high costs for very small merchants. They appear to be isolated issues and do not indicate a widespread issue at the company.

Checkout.com Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Checkout.com. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Checkout.com Customer Support Options

For its part, Checkout.com offers an email form, a knowledge base, and phone numbers on its website, but it is unclear whether any of these lines of communication put merchants directly in live communication with a Checkout.com representative. The merchant complaints about slow email responses suggest that email is the company’s primary mode of customer support. At this time, Checkout.com is not qualified as a top-rated credit card processor for customer service.

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Response from Checkout.com

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Checkout.com BBB Rating Summary

The Better Business Bureau does not maintain a profile for Checkout.com at this time. We therefore will not factor a BBB rating into this review.

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Response from Checkout.com

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

No Deceptive Conduct

Checkout.com appears to utilize its website and conventional advertising to market its service. There is no evidence that the company relies on a team of independent sales agents, and we are unable to find any Checkout.com complaints that accuse the company’s sales team of deceptive conduct. Like its competitors, Checkout.com must appeal to developers as well as merchants and therefore is less focused on using low price points to attract new users.

Interchange-Plus Pricing

There are no misleading rate quotes on the Checkout.com website, and the company even offers interchange-plus pricing, which is the most transparent pricing model available. This sets it apart from its U.S.-based competitors, which typically offer a flat per-transaction fee such as 2.9% plus $0.30, and it should be attractive to merchants who prefer to know exactly what they pay for. If you suspect that Checkout.com is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.

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Response from Checkout.com

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Checkout.com Marketing Example

Checkout.com Logo

Our Opinion of Checkout.com

An Above-Average Option for E-Commerce

Checkout.com rates as a reliable merchant services provider for international e-commerce merchants. The company may have some shortcomings when it comes to customer service and very small merchants, but its overall product offering appears to be fairly priced compared to competitors. Merchants are encouraged to review the company’s list of prohibited businesses before signing up for a Checkout.com account and to compare its contract costs to those of top-rated e-commerce merchant account providers.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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1 Review Leave Your Review for Checkout.com Below

  1. Luke says:

    They are a dishonest partner which will block your funds without a single word.


    This post will help: How to Make Your Payment Processor Release Your Money

    -Phillip

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