Company Overview
Checkout.com is a leading global enterprise payment processing platform. Founded in 2006 by Guillaume Pousaz (originally as Opus Payments, rebranded to Checkout.com in 2012), the company is headquartered in London, United Kingdom. Checkout.com operates 19 offices worldwide and serves 500+ of the world's largest enterprises, including Netflix, eBay, Pinterest, Sony, Samsung, Uber Eats, and Microsoft. The company was valued at $40 billion at its peak, making it Europe's most valuable fintech startup, and processed over $300 billion in ecommerce payment volume in 2025.
Related provider: Checkout.com Payment Platform
Key Milestones
- 2006: Guillaume Pousaz founded Opus Payments (later renamed Checkout.com)
- 2012: Rebranded to Checkout.com
- 2013: Became a member of Visa and Mastercard
- 2019: Raised $230M Series A (largest European Series A at the time), valued at $2B
- 2020: Acquired Pin Payments (Australia); valuation reached $5.5B
- 2021: Raised $450M Series C, valuation reached $15B
- 2022: Raised $1B Series D, peak valuation of $40B — Europe's most valuable fintech
- 2023: Launched Issuing and Intelligent Acceptance products
- 2024: Achieved profitability; launched Flow, Vault, Forward API
- 2025: Opened San Francisco office; signed major partnership with eBay; processed $300B+ in volume
- 2026: Named a Leader in Forrester Wave: Merchant Payment Providers
Product Portfolio
Checkout.com offers a comprehensive suite of payment and financial infrastructure products:
| Product | Description |
|---|---|
| Accept Online | Online payment acceptance supporting 150+ processing currencies |
| Flow | Embeddable, customizable payment UI for websites |
| Issuing | Virtual and physical card issuance platform |
| Payouts | Global fund disbursement and bulk payout solutions |
| Fraud Detection Pro | ML-powered real-time fraud detection and prevention |
| Intelligent Acceptance | AI-driven payment optimization engine |
| Identity Verification | Video-based identity verification and Face Authentication |
| Authentication | 3DS secure authentication for transactions |
| Vault | Secure payment credential tokenization storage |
| Unified Payments API | Single REST API for all payment services |
Core Strengths
High-Performance Payment Engine: Checkout.com operates a proprietary authorization and clearing platform supporting 150+ processing currencies. It maintains direct connections to Visa, Mastercard, American Express, and UnionPay, with local acquiring capabilities in 50+ countries.
AI-Powered Optimization: Intelligent Acceptance uses an AI engine to optimize transaction routing, data transmission, and authentication strategies in real time. The product has helped merchants unlock over $10 billion in additional revenue.
Enterprise Scale: Processing $300B+ in annual ecommerce volume, Checkout.com serves the world's largest enterprises including Netflix, Microsoft, eBay, and Sony. Its cloud-native platform features self-healing capabilities and multi-zone redundancy.
Single API Integration: A unified REST API provides access to payment processing, fund disbursement, card issuing, fraud detection, and more — significantly reducing integration and maintenance costs.
Market Position
Checkout.com is a leader in the global enterprise payment processing market, competing with the following providers:
- Stripe: Industry leader known for developer experience, strong in SMB and platform payments
- Adyen: Dutch payment platform focused on in-person POS and enterprise, Checkout.com's direct European competitor
- Worldpay (FIS): One of the largest payment processors globally, strong in traditional acquiring
- PayPal: Globally recognized online payment platform with a massive consumer base
- Square (Block): Started with in-person POS, expanded into online payments and financial services
- Global Payments: Payment technology giant operating in 100+ countries
