Startups > Checkout.com

Checkout.com

Checkout.com enables enterprises to process global payments through an API-based infrastructure platform.

Series D $1.83B total Founded 2009 London, England

Checkout.com is an enterprise-grade API-based payment platform that provides end-to-end payment processing, risk management, card issuing, and payment routing for global merchants. The platform supports multiple payment methods including cards, digital wallets (Apple Pay, Google Pay), and local payment networks (Alipay, SEPA, bank transfers). It serves exclusively enterprise customers, with 63 merchants processing over $1B annually on the platform, and differentiates through a lean sales operation (13% of headcount) while dedicating two-thirds of staff to product and engineering.

Problem solved

Enterprise merchants need a unified payment infrastructure that handles acquiring, issuing, risk management, and multi-currency/multi-payment-method processing across geographies.

Target customer

Enterprise merchants with $1B+ annual transaction volume, including global brands in e-commerce, fintech, and SaaS

Website LinkedIn Crunchbase

Founders

Guillaume Pousaz

Founder & CEO

Swiss-born entrepreneur who studied mathematical engineering at EPFL and economics at HEC Lausanne; previously co-founded NetMerchant and worked at International Payments Consultants; currently owns approximately two-thirds of Checkout.com with estimated net worth of $7.8B as of May 2025.

Cyril Chemla

Co-Founder

VP Commercial Development at Checkout.com; later co-founded ProcessOut.

Funding history

Series A $230M May 2019 Led by Insight Partners, DST Global

Series B $150M June 2020 Led by Unknown

Series C $450M January 2021 Led by Unknown

Series D $1B January 2022 Led by Altimeter, Dragoneer · Franklin Templeton, GIC, Insight Partners, Qatar Investment Authority, Tiger Global, Oxford Endowment Fund

Total raised: $1.83B

Industries

Transaction Processing Payments FinTech E-Commerce

Pricing

Not publicly available. Enterprise-focused custom pricing negotiated based on transaction volume and merchant-specific requirements.

Notable customers

Netflix, eBay, Klarna, DocuSign, Uber Eats, Pinterest, Vinted, ASOS, Sony, SHEIN, Wise, Patreon, GE HealthCare, Temu, Majid Al Futtaim, Grab, Alipay, Alibaba, Pizza Hut, Coinbase, Farfetch

Integrations

Apple Pay, Google Pay, PayPal, Alipay, Alibaba, local payment networks (SEPA, bank transfers), card issuing partnerships

Website

checkout.com/

Competitors

Stripe

Stripe focuses on SMBs with lower transaction volumes, while Checkout.com targets mid-to-large enterprise merchants.

PayPal

PayPal offers broader consumer and SMB payment solutions, whereas Checkout.com specializes in enterprise-scale infrastructure.

Adyen

While Adyen is also enterprise-focused, Checkout.com differentiates through dedicated product and engineering resources (67% of headcount vs. lean sales at 13%).

PayU

PayU operates more as a broad payments provider, while Checkout.com offers deeper technical integration and API-first architecture for enterprises.

Why this matters: Checkout.com achieved unicorn status with a $40B Series D valuation (January 2022) and profitability in 2024 while maintaining 45% YoY revenue growth—a rare achievement in fintech infrastructure. The company's focus on product and engineering (67% of headcount) over sales reflects a modern API-first strategy that resonates with enterprise developers.

Best for: Enterprise merchants processing billions in annual transactions who need a unified, developer-friendly payment infrastructure supporting multiple geographies and payment methods.

Use cases

Global E-Commerce Payment Processing

Large retailers like ASOS and SHEIN use Checkout.com to process payments in multiple currencies and payment methods across different geographies. The platform handles risk management and payment routing automatically, reducing friction and cart abandonment.

Fintech Payment Infrastructure

Fintech platforms like Wise and Klarna integrate Checkout.com's API to enable seamless payment acceptance while maintaining control over the user experience. The card issuing and acquiring capabilities support complex business models.

Subscription & Digital Services

Netflix, DocuSign, and Pinterest rely on Checkout.com for recurring payment processing, fraud prevention, and revenue optimization across international markets with 63+ merchants processing over $1B annually.

Marketplace Payment Splitting

Marketplace platforms use Checkout.com's issuing and routing capabilities to handle complex payment splits between merchants, platforms, and service providers while maintaining compliance across jurisdictions.

Alternatives

Stripe Choose Stripe if you're an SMB or mid-market company prioritizing ease of integration and global reach; Checkout.com is better for enterprises needing deep customization and higher transaction volumes.

Adyen Adyen and Checkout.com both serve enterprise customers; Adyen has stronger incumbent relationships and more mature products, while Checkout.com offers faster innovation and product-first culture.

PayPal PayPal serves a broader market including SMBs and consumers; choose Checkout.com for enterprise-grade API-first infrastructure with superior customization and dedicated support.

FAQ

What does Checkout.com do? +

Checkout.com is an API-based payment platform that provides end-to-end payment processing, risk management, card issuing, and payment routing for enterprise merchants. It supports multiple payment methods (cards, digital wallets, local payment networks) across geographies and enables merchants to build custom payment experiences.

How much does Checkout.com cost? +

Checkout.com does not publicly disclose pricing. The company operates an enterprise-focused model with custom pricing negotiated based on transaction volume and merchant-specific requirements. Contact their sales team for a quote.

Who uses Checkout.com? +

Checkout.com serves enterprise merchants including Netflix, eBay, Klarna, SHEIN, Sony, and 63+ merchants processing over $1B annually. The platform is designed exclusively for large-scale merchants with significant payment volumes.

How does Checkout.com compare to Stripe? +

Checkout.com targets enterprise merchants with deep customization and high transaction volumes, while Stripe focuses on SMBs and mid-market companies prioritizing ease of integration. Checkout.com offers more granular control and dedicated infrastructure for enterprises.

What payment methods does Checkout.com support? +

Checkout.com supports card payments, Apple Pay, Google Pay, PayPal, Alipay, bank transfers, SEPA direct debits, and cash payments through local payment networks. The platform handles multi-currency processing and localized payment experiences.