Online-only global payments gateway with flat-rate or interchange++ pricing, built-in AI fraud detection, and an official MCP server.
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.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Checkout.com is an online payment gateway with no card machine or in-person acceptance. Source: checkout.com/pricing, read 2026-07-16.
"No account maintenance fees" published on checkout.com/pricing, read 2026-07-16.
No hardware; online gateway only.
"No setup fees" published on checkout.com/pricing, read 2026-07-16.
Online checkout and keyed-in card transactions.
Checkout.com offers a choice of fully flat-rate or interchange++ pricing, tailored per business and risk profile; no rate card is published. Source: checkout.com/pricing, read 2026-07-16.
"No account maintenance fees" published on checkout.com/pricing, read 2026-07-16.
"No setup fees" published on checkout.com/pricing, read 2026-07-16.
Checkout.com does not publish a chargeback fee amount; dispute handling is covered under the tailored Pricing Schedule.
Not published; Checkout.com supports Amex acceptance generally but no separate published Amex rate was found.
Not published as a separate named fee.
Not published on checkout.com.
Checkout.com charges a fee on the captured amount per accelerated (same-day) settlement, per the merchant's Pricing Schedule; no standard amount is published. Source: checkout.com/docs/funds-management/receive-settlements, read 2026-07-16.
Not published on checkout.com/pricing.
Checkout.com states its hosted interfaces "manage PCI compliance and automatically update to reflect the latest regulations," but does not publish whether this carries a separate fee. Source: checkout.com/products/accept-online, read 2026-07-16.
Not published on checkout.com; set per contract.
Standard settlement speed for USD is T+2; US-based, risk-approved accounts can enable same-day (T+0) accelerated settlements for a fee. Source: checkout.com/docs/funds-management/receive-settlements, read 2026-07-16.
The Unified Payments API stores cardholder details for subscription, membership, or instalment payments on a recurring schedule. Source: checkout.com/solutions/subscription, read 2026-07-16.
Cards, wallets, and other methods supported by Checkout.com for US merchants.
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.
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
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