Checkout.com

Checkout.com processed more than $300 billion in payments in 2025, 64 percent more than a year earlier, and returned to full-year profitability. By September 2026, the company operated in 56 countries with more than 1,700 enterprise merchants and expected a total payment volume of $480 billion for the year. Checkout.com holds 10 acquiring licenses and processes payments in more than 150 currencies from 19 offices.

Flow is the checkout component of Checkout.com, and one integration gives a merchant ready-made payment fields with more than 35 payment methods. With Flow Remember Me, launched worldwide on 8 October 2025, a shopper saves a card once and pays at other Checkout.com merchants without typing the number again. The card schemes pursue a similar goal with Click to Pay, a card profile that works across merchants and payment providers. Forrester named Checkout.com a Leader in its evaluation of merchant payment providers for the first quarter of 2026.

In agentic commerce, an AI agent picks products for a person and pays for them. On 25 November 2025, Checkout.com announced support for the Agentic Commerce Protocol, the open standard backed by OpenAI, so that its merchants can sell through Instant Checkout in ChatGPT. Checkout.com is building identity checks and fraud prevention for these payments, and the merchant keeps the customer relationship when an agent places the order.

In February 2026, Checkout.com reported that it was live with the Universal Commerce Protocol of Google and supported Visa Intelligent Commerce as well as Agent Pay, the framework of Mastercard for agent payments. Research by Checkout.com expects agentic commerce to reach 21 percent of monthly household spending within five years. In September 2026, the company said it would speed up its AI work, including agentic commerce and agent payments.

Checkout.com first settled merchant funds in USDC in June 2022, with the payout technology of Fireblocks, after a private beta had moved more than $300 million. The service let merchants receive their money every day of the week, including weekends and public holidays. Since June 2026, eligible enterprise merchants in the United States can take settlement in stablecoins to a wallet of their choice, in every state except New York, Virginia and Alaska, and not in Puerto Rico.

On 2 June 2026, at Money20/20 Europe, Checkout.com added stablecoin acceptance powered by Coinbase Payments, so that enterprise merchants can take stablecoin payments from shoppers. In January 2026, Checkout.com bought Blue EMI, an electronic money institution authorized by the Bank of Lithuania to provide payment services and to issue euro-backed stablecoins for institutional use. Checkout.com also opened a technology center in Vilnius and named direct SEPA access through CENTROlink, the payment system of the Bank of Lithuania, as one reason for the location.

In the United Kingdom, Checkout Ltd is authorized by the Financial Conduct Authority as an electronic money institution under number 900816. The French company Checkout SAS holds an e-money license from the ACPR under number 17208, and this license is passported to all states of the European Economic Area, Germany included. Other group companies hold licenses or registrations in Singapore, Hong Kong, Australia, Japan, Canada, Brazil and the UAE, where the central bank licenses Checkout MENA for retail payment services.

In the United States, the Georgia Department of Banking and Finance approved a Merchant Acquirer Limited Purpose Bank charter for Checkout.com in January 2026. Since 9 September 2026, Checkout.com acquires card payments directly in the US under this charter, with its own access to the card networks. The Central Bank of the UAE gave Checkout.com in-principle approval for a Stored Value Facilities license in July 2026, which allows card issuing next to acquiring there.

Checkout.com is a payment service provider from London that processes online payments for enterprise merchants such as Uber, eBay and Spotify. Guillaume Pousaz founded the company in 2012 and still leads it as founder and chief executive.

Checkout Ltd is an electronic money institution authorized by the Financial Conduct Authority in the UK, and Checkout SAS holds an e-money license from the French ACPR for the European Economic Area. In the United States, Checkout US, Inc. provides money transmission under NMLS number 1791692.

Checkout.com supports more than 50 payment methods, among them Apple Pay, Google Pay, Tabby, TWINT and Swish, and its volume in alternative payment methods grew 104 percent in 2025. In May 2026, Checkout.com added BLIK, the Polish mobile payment system with more than 20 million users, to its European local payment methods.

Since July 2025, Checkout.com has issued physical and virtual Visa cards for its merchants in the UK and Europe, in a partnership with Visa. Travel merchants can pay suppliers from acquired funds without pre-funding a card account, and issuing reached an annual run rate of $5 billion in the fourth quarter of 2025.