Checkout.com
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Custom
- Hardware cost
- —
- Contract length
- Enterprise agreement
- Settlement time
- —
- Est. monthly cost
- —
Checkout.com
Online-only global payments gateway with flat-rate or interchange++ pricing, built-in AI fraud detection, and an official MCP server.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Custom
- Contract
- Enterprise agreement
Best for
US online and multi-region businesses that want a single API for checkout, payment links, invoicing, and MOTO payments with a choice of pricing models.
Pricing breakdown
All prices in USDSourced from provider's published pricingEvery fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Monthly fee
- Custom
Checkout.com states no setup fees and no account maintenance fees, but publishes no monthly figure.
Online payments
Online checkout and keyed-in card transactions.
- Monthly fee
- Custom
Checkout.com states no setup fees and no account maintenance fees, but publishes no monthly figure.
Contract terms
- Contract length
- Enterprise agreement
Accepted payment methods
Cards, wallets, and other methods supported by Checkout.com for US merchants.
Cards
- Visa
- Mastercard
Digital wallets
- Apple Pay
- Google Pay
Other
- paypal
- Alipay
Strengths and trade-offs
Pros
- Choice of flat-rate or interchange++ pricing with no setup or account maintenance fees
- Hosted checkout, payment links, invoicing, and a browser-based virtual terminal all included
- Built-in machine-learning fraud detection with no extra integration
- Official MCP server for AI-agent payment operations; free processing for registered charities
Cons
- No published rate card; every merchant is quoted individually
- Online-only, no card machine or in-person hardware
- Standard US settlement is T+2, slower than same-day unless approved for accelerated settlement
- Chargeback, refund, and PCI-related fees are charged but not published
About Checkout.com
Checkout.com is a London-headquartered global payments platform, licensed to provide money transmission services in the US through Checkout US Inc. (NMLS #1791692). It is an online-first gateway with no card machine or in-person hardware: merchants choose between fully flat-rate or interchange++ pricing, tailored per business and risk profile, with no setup fees, no account maintenance fees, and free processing for registered charities.
The Unified Payments API covers hosted checkout pages, shareable payment links (including links embedded in invoices), a browser-based virtual terminal for MOTO/phone orders, and native recurring billing for subscriptions. Machine-learning fraud detection is built in at no extra integration cost, and Checkout.com ships an official Model Context Protocol server for AI-agent payment operations. Standard US settlement is T+2 business days, with a same-day (T+0) accelerated settlement option available to eligible, risk-approved accounts for a fee.
Checkout.com was founded in 2009 and is headquartered in London, UK.
How Checkout.com compares
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Airwallex
$510/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free (Explore plan)
- Hardware cost
- —
- Contract length
- No lock-in on entry plans
- Settlement time
- —
- Est. monthly cost
- $510/mo
Stripe
$525/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Hardware cost
- —
- Contract length
- No lock-in, pay as you go
- Settlement time
- —
- Est. monthly cost
- $525/mo
PayPal
$595.50/mo est.
- In-person rate
- —
- Online rate
- —
- Monthly fee
- Free
- Hardware cost
- —
- Contract length
- No lock-in
- Settlement time
- —
- Est. monthly cost
- $595.50/mo
Common questions about Checkout.com
The same questions US merchants ask before signing up.
Checkout.com publishes no rates. Its pricing page offers a choice of two structures, fully flat-rate or interchange++, and states that pricing is tailored to your business. There is no rate card to compare, so every figure is negotiated. It does state that there are no setup fees and no account maintenance fees.
Different commercial models. Stripe publishes a standard rate and accepts that some merchants are unprofitable at it, monetising the average. Checkout.com sells into larger enterprises where volume, card mix and geography vary enough that one published rate would be meaningless, so it prices each account. The practical consequence is that you cannot model your cost before a sales conversation.
Established platforms with meaningful volume and a genuine multi-region footprint. It supports sub-entity onboarding and KYC, marketplace payouts and fund splitting, and collects in more than 150 currencies across 50+ countries. For a platform still finding product-market fit, the negotiation overhead outweighs the benefit.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Work at Checkout.com? Claim this listing
Compare Checkout.com
Compare Checkout.com against every other US provider on price, contract terms, and features.