Checkout.com is a payment processing company that provides online payment solutions for businesses. This article will cover the company's range of services, including their pricing structure, contract terms, and customer feedback. We will discuss the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a detailed understanding of what Checkout.com offers and whether it is suitable for your business's online payment processing needs.
About Checkout.com
Founded in 2012, 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 , or flat-rate 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.Checkout.com has partnered with a number of other businesses, including Mamo, Alchemy Pay, and NetEase Games. It has also purchased ubble, ProcessOut, Icefire, and Pin Payments.
Checkout.com facilitates payments in over 150 currencies and supports around 18 different payment methods, including digital wallets like Apple Pay and Google Pay. The platform provides features such as quick payouts, risk scoring, fraud protection, e-commerce solutions, and data reporting and analytics.
Subscription Payment Processing
For businesses with recurring payment models, Checkout.com offers a subscription payment processing service. This service supports various international markets by accommodating major credit and debit cards for mobile payments.
Mobile Payments
Checkout.com supports mobile payments across international markets, processing transactions through all major credit and debit cards to ensure efficient payment handling for businesses.
Payout Services
The platform's payout services help businesses expedite fund transfers to customers, offering features such as card and bank payouts.
Authentication
Checkout.com includes flexible 3D Secure authentication to combat fraud and maintain compliance. This feature integrates with all acquirers as part of the platform.
Card Issuing Services
Businesses can use Checkout.com’s card issuing services to launch and manage their own card programs. This service includes the creation of custom cards and simplifies the management process while allowing businesses to earn a share of interchange revenue.
Fraud Detection
The fraud detection service provided by Checkout.com balances fraud prevention with approval rates. It includes a customizable fraud management tool that adapts to the specific needs of businesses.
Intelligent Acceptance
Checkout.com’s Intelligent Acceptance service aims to improve conversion rates and reduce transaction fees. It utilizes AI, leverages a global data network, and provides deep payment expertise to optimize the payment acceptance process.
Identity Verification
The Identity Verification service offered by Checkout.com aims to prevent fraud and accurately identify users quickly, turning identity verification into a potential competitive advantage for businesses.
Global Processing and Coverage
Checkout.com enables businesses to process payments worldwide in over 150 currencies and provides domestic coverage in more than 45 countries. Their Unified Payments API offers a flexible, fast, and reliable solution for global payment processing.
E-commerce Payment Gateway
Checkout.com's e-commerce payment gateway supports businesses in converting more sales and reducing payment processing costs. This service is available in over 150 countries, supporting diverse payment methods and domestic processing with expert support from local teams.
Checkout.com offers a powerful online payment gateway
Checkout.com Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
12
Live Customer Support
No
Most Common Complaint
N/A
Recent Lawsuits
Low Complaint Total
We have found approximately 10 negative Checkout.com reviews, indicating that while there are some complaints, there’s no clear evidence suggesting that the company is a ripoff or a scam. The complaints primarily revolve around challenges with account activation, difficulty reaching email support, fund holds, and high costs for small merchants. However, these seem to be isolated incidents rather than indicative of a widespread problem with the company. If you have your own Checkout.com review to share, please feel free to do so in the comments below.
Checkout.com Lawsuits
We haven’t come across any outstanding class-action lawsuits or FTC complaints filed against Checkout.com. For dissatisfied clients looking to address issues with the company, it’s advisable to consider reporting concerns to the relevant supervisory organizations.
Checkout.com Customer Support Options
Checkout.com provides various customer support options on its website, including an email form, a knowledge base, and phone numbers. However, it’s uncertain whether these channels offer direct communication with a Checkout.com representative. Complaints about slow email responses suggest that email may be the primary mode of customer support. As of now, Checkout.com does not meet the criteria to be considered a top-rated credit card processor for customer service.
Checkout.com currently has no rating with the Better Business Bureau. The company has received 0 complaints in the past three years.
What Merchants Say
Checkout.com has received 1 informal review to its profile, which is negative. The 1 review is from a former employee who claims they were never paid for their work:
I worked for Chekout for 6 weeks, I never recieved a pay check from them.
This appears to be an isolated incident.
An “A” Performance
In light of the company’s complaint total and resolution ratio, we have adjusted the BBB’s grade to an “A”.However, we will caution merchants against blindly trusting the grades that the BBB assigns.
Checkout.com’s merchant agreement details a month-to-month contract approach. This includes no early termination fee, absence of monthly fees, and transparent per-transaction pricing. All Checkout.com clients have access to flat transaction fees: 0.95% plus $0.20 for European cards, and 2.90% plus $0.20 for non-European cards. For businesses qualifying for the Enterprise plan, based on sales volume and history, the fee is interchange plus 0.10%-0.40% plus $0.08. These rates are competitive within the industry, offering flexibility and minimal commitment to clients.
Prohibited Businesses
It’s important for potential users to review Checkout.com’s list of prohibited business types before registration. While the company has faced some online complaints, many appear related to account deactivations due to violations of these prohibited business policies.
Considerations for Small Merchants
Feedback from smaller merchants suggests that Checkout.com’s screening process and pricing may not be ideally suited for very small businesses. New or low-volume businesses are advised to consult with Checkout.com before engaging their services. While Checkout.com may not be featured among the cheapest merchant accounts, it does provide a robust, international payment processing platform at a reasonable cost.
Checkout.com’s non-eligible business types are clearly outlined for prospective clients.
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 reviews that accuse the company’s sales team of deceptive conduct. Like its competitors, Checkout.com must appeal to developers as well as clients 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 businesses that 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.
Our Checkout.com Review Summary
Our Final Thoughts
Checkout.com stands out as a reliable credit card processing provider, particularly for international e-commerce businesses. Despite potential shortcomings in customer service and its suitability for very small businesses, its overall suite of products is competitively priced compared to similar providers. It’s important for potential clients to carefully review Checkout.com’s list of prohibited business types to ensure their needs align with its policies. We also recommend that business owners diligently compare the company’s contract costs with those of other top-rated e-commerce merchant account providers before committing to an account.
Location & Ownership
Checkout.com has multiple offices throughout the world, but its headquarters is at Wenlock Works, Shepherdess Walk, London, N1 7BQ, and its U.S. mailing address is at 251 Little Falls Drive, Wilmington, DE 19808, United States. Guillaume Pousaz is the founder and CEO of Checkout.com.
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In the late 2000s, as a broke college student struggling to make ends meet, I was contacted by a merchant services company after uploading my resume to a job listings website. This company promised substantial commissions and ongoing residual income for simply persuading businesses to accept credit card payments. It seemed straightforward enough—after all, what business doesn’t need to process credit card payments? Following a phone interview with a persuasive “sales director,” I found myself embarking on what I believed would be an easy job that would significantly boost my bank account with reliable monthly income and large sales commissions. However, the lessons I learned would profoundly change my life in ways I could never have imagined.
After completing my sales training, I hit the ground running, eager to make sales. This broke college student was determined to improve his financial situation! My first attempt at a cold call, with no prior appointment, ended with a burly man in his 50s yelling at me to leave, claiming he had been “totally robbed” by someone like me before. As I hastily exited, puzzled and intimidated by his reaction, I couldn’t help but wonder what he meant. Throughout the day, I encountered similar hostility from other business owners, all expressing disdain for the industry I had been so excited to join that morning. Confused and curious, I decided to shift my approach from selling to listening.
I quickly uncovered that the merchant services sector was riddled with unethical practices, including hidden fees, deceptive marketing, fine-print traps, and much more. It dawned on me that I had nearly been tricked by a dubious company into selling overpriced services under contracts with long-term commitments, all without being fully aware of what I was promoting. Outraged, I resigned from that company but learned that there were indeed ethical credit card processing companies that treated their clients fairly. Over the next four years, I worked for one such company, assisting hundreds of businesses in securing cost-effective processing solutions. Yet, I also met many more who had been misled and trapped in onerous service agreements. Determined to help people steer clear of these unscrupulous providers, I launched this website in my spare time, dedicating myself to researching and sharing my findings on every merchant account provider I could investigate.
Gradually, more and more business owners began to discover my articles. As word spread, search engines started to rank my content highly, amplifying its reach. My efforts were making a difference! Eventually, the website garnered enough traffic to enable me to leave my job and focus on it full-time, a journey that has now spanned over a decade. This path has not been without its challenges; unscrupulous company owners have tried to intimidate and sue me into silence on several occasions. Yet, I have stood firm against each threat. Here I am, continuing to publish reviews and articles, hoping to safeguard others from the pitfalls of the credit card processing industry.
If you believe in my mission and wish to contribute, please share my articles on your websites and social media. Thank you for visiting!
Testimonials & Complaints
How Did Checkout.com Treat You?
1 User Reviews
Luke
They are a dishonest partner which will block your funds without a single word.
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Luke
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