Checkout.com

Corporate brand

Global payment infrastructure company providing processing, acquiring, fraud prevention, identity, issuing, and payout services for enterprises.

Last updated October 16, 2026

AI crawler reads

No AI crawler has read this profile since Oct 28, 2026.

Overview

Checkout.com is a London-headquartered financial technology company that provides payment infrastructure to enterprise merchants and other digitally focused businesses. Legally incorporated as Checkout Ltd., the company began in 2009 as Opus Payments in Singapore under the leadership of Swiss entrepreneur Guillaume Pousaz and adopted the Checkout.com name in 2012. Its business model combines payment gateway technology, acquiring capabilities, payment processing, authorization optimization, fraud controls, identity verification, card issuing, treasury functionality, and payouts. The company is designed primarily for businesses operating across multiple countries and payment environments. Its platform supports international card transactions as well as local and alternative payment methods, with integrations and memberships involving networks and providers such as Visa, Mastercard, American Express, UnionPay, Discover, Diners Club, JCB, Alipay, and WeChat Pay. Checkout.com’s customers and publicly identified users have included companies in e-commerce, software, media, travel, marketplaces, food delivery, and technology, including Netflix, eBay, Klarna, DocuSign, Uber Eats, Pinterest, Vinted, ASOS, Temu, Shein, Grab, and Sony. A major part of Checkout.com’s positioning is the attempt to give large merchants a unified technical and commercial layer for global payments. Its products address several stages of the transaction lifecycle: Flow provides a configurable checkout interface; payment processing and acquiring services handle authorization and settlement; Intelligent Acceptance uses data, routing, and authentication decisions to improve approval performance; Fraud Detection Pro applies machine learning and merchant-defined rules to detect suspicious transactions; and IDV supports remote identity verification. The company also offers Issuing for physical and virtual cards, a multi-currency Checkout Business Account, Vault capabilities for stored payment credentials, Forward API tools, and Payouts to cards and bank accounts. Checkout.com expanded through investment, licensing, network access, acquisitions, and geographic development. It raised a $230 million Series A round in 2019, followed by further financing that lifted its reported valuation to $15 billion in 2020. In 2020 it acquired Pin Payments and ProcessOut-related assets to strengthen regional coverage and payment operations. In 2021 it raised a $450 million Series C round, acquired software development company Icefire, and introduced payouts. A January 2022 financing round of $1 billion placed the company at a reported $40 billion valuation, making it one of Europe’s most highly valued private fintech companies and providing capital for international expansion and investments in areas including Web3. The company’s private-market valuation subsequently declined. In December 2022, its internal 409A valuation was reduced to $11 billion, and it was adjusted again to $9.35 billion in 2023. These internal valuations were used in connection with employee equity rather than representing a public-market price. Checkout.com reported reaching profitability by the end of 2024, alongside 45% growth in its core business segments, and stated that it intended to pursue further growth while remaining profitable. In 2025 it began an employee share buyback program at a reported $12 billion valuation, opened a San Francisco office, and announced direct acquiring capabilities in Canada. Checkout.com remains privately held and internationally oriented. Its current strategic emphasis is on increasing payment acceptance, reducing fraud and operational complexity, expanding direct acquiring and local capabilities, and extending from transaction processing into broader financial infrastructure for merchants. The company’s private-market valuation later declined. Its internal 409A valuation fell to $11 billion in December 2022 and was adjusted again to $9.35 billion in 2023. These internal valuations are used for employee equity and do not represent public-market prices. Checkout.com reported reaching profitability by the end of 2024, with 45% growth in its core business segments, and said it intended to continue growing while remaining profitable. In 2025, the company launched an employee share buyback program at a reported $12 billion valuation, opened a San Francisco office, and announced direct acquiring in Canada.

History

Checkout.com traces its origins to Opus Payments, founded in 2009 in Singapore by Guillaume Pousaz as an authorized payment institution. The business adopted the Checkout.com name in 2012 and began building a model centered on cross-border payment infrastructure for online merchants. Rather than limiting itself to a simple payment gateway, it pursued access to card networks, acquiring relationships, local payment methods, and proprietary transaction technology. In 2013, the company became a member of Visa and Mastercard and developed relationships with alternative payment providers including Alipay and WeChat Pay. It added principal membership in UnionPay, Diners Club, and Discover in 2014, followed by global acquiring status for American Express in 2015. In 2016, it launched a proprietary authorization and clearing platform. The company became a JCB member and an authorized electronic money institution in the United Kingdom in 2017, reinforcing its regulatory and network infrastructure in Europe. Checkout.com joined London & Partners’ Mayor’s International Business Programme in 2018. Its next phase was marked by substantial venture financing and acquisitions. In 2019, Insight Partners and DST Global led a $230 million Series A round. Additional financing helped produce a reported $15 billion valuation by June 2020. That year, the company raised $150 million to support expansion in the United States and acquired Australian payments company Pin Payments, extending its presence in Australia and New Zealand. It also expanded through ProcessOut-related acquisitions and technology investments. In 2021, Checkout.com raised $450 million in Series C financing, acquired software development firm Icefire, and launched Payouts to cards and bank accounts. In January 2022, a $1 billion funding round reportedly valued the company at $40 billion. The financing included major institutional and sovereign investors and supported international growth as well as investments in emerging applications such as Web3. In May 2022, Checkout.com acquired French identity-verification startup Ubble, adding remote identity verification capabilities to its product portfolio. The company’s valuation later reset amid changing private technology-market conditions. Its internal 409A valuation fell to $11 billion in December 2022 and to $9.35 billion in 2023. These figures related to internal employee equity valuation and should not be treated as public-market capitalization. During this period, Checkout.com continued to add regulatory permissions, products, and geographic capabilities. In 2023 it obtained payment-processing certification in Saudi Arabia and principal membership status in Japan and the United Arab Emirates, while launching Issuing and Intelligent Acceptance. In 2024, Checkout.com partnered with the Merchant Risk Council on educational resources concerning payment fraud. It also became a direct acquirer in Japan and introduced products including Standalone Vault, Forward API, and Flow. The company expanded Payouts as a global merchant service and reported reaching profitability by the end of the year, with 45% growth in its core business segments. In 2025, the company opened a San Francisco office and launched direct acquiring capabilities in Canada. It also announced an employee share buyback program at a reported $12 billion valuation and entered an agreement to support eBay’s payment infrastructure. Checkout.com has additionally been associated with Mastercard’s Agent Pay initiative and announced plans to integrate Visa’s Intelligent Commerce API. Its development reflects a continuing shift from online payment processing toward a broader platform covering acceptance, acquiring, identity, fraud, issuing, accounts, and payouts.

2025
Canadian acquiring and San Francisco expansion
[1]Checkout.comen.wikipedia.org
The company launches direct acquiring in Canada and opens a San Francisco office.
2024
Direct acquiring in Japan
[1]Checkout.comen.wikipedia.org
Checkout.com becomes a direct acquirer in Japan and expands its product suite.
2023
Issuing and Intelligent Acceptance launch
[1]Checkout.comen.wikipedia.org
The company introduces card issuing and AI-assisted payment acceptance products.
2022
Funding round reports a $40 billion valuation
[1]Checkout.comen.wikipedia.org
Checkout.com announces $1 billion in financing and a reported $40 billion private valuation.
2022
Ubble is acquired
[1]Checkout.comen.wikipedia.org
Checkout.com acquires French remote identity-verification company Ubble.
2021
Series C, Icefire acquisition, and Payouts
[1]Checkout.comen.wikipedia.org
The company raises $450 million, acquires Icefire, and launches payouts to cards and bank accounts.
2020
Australian expansion and major financing
[1]Checkout.comen.wikipedia.org
Checkout.com raises $150 million, expands in the United States, and acquires Pin Payments in Australia.
2019
Series A financing
[1]Checkout.comen.wikipedia.org
The company raises $230 million in Series A financing led by Insight Partners and DST Global.
2016
Proprietary authorization and clearing platform launches
[1]Checkout.comen.wikipedia.org
Checkout.com introduces its own authorization and clearing technology.
2015
American Express acquiring capability
[1]Checkout.comen.wikipedia.org
The company becomes a global acquirer for American Express.
2013
Visa and Mastercard membership
[1]Checkout.comen.wikipedia.org
Checkout.com becomes a member of Visa and Mastercard and develops alternative-payment partnerships.
2012
The business adopts the Checkout.com name
[1]Checkout.comen.wikipedia.org
Opus Payments is rebranded as Checkout.com.
2009
Opus Payments is founded
[1]Checkout.comen.wikipedia.org
Guillaume Pousaz establishes Opus Payments in Singapore as an authorized payment institution.

Products and positioning

Enterprise payment infrastructure combining global reach, direct acquiring, configurable checkout technology, authorization optimization, risk controls, and adjacent financial services.

Checkout interface · 2024
Flow
Flow is a configurable payment interface that merchants can embed into websites or digital experiences. It is intended to let businesses tailor the checkout journey while supporting multiple payment methods and transaction scenarios through Checkout.com’s processing infrastructure.
Payment optimization · 2023
Intelligent Acceptance
Intelligent Acceptance uses data-driven methods to optimize transaction routing, payment data, and authentication choices. Its purpose is to improve authorization rates and reduce avoidable payment friction and processing costs for merchants operating across markets.
Fraud prevention
Fraud Detection Pro
Fraud Detection Pro applies machine-learning techniques and configurable merchant rules to identify potentially fraudulent transactions in real time. It is positioned as a risk-management layer that can be adapted to the merchant’s tolerance, business model, and fraud patterns.
Identity verification · 2022
IDV
IDV is Checkout.com’s remote identity-verification product, strengthened by the company’s acquisition of Ubble. It supports digital onboarding and identity checks, including video-based and artificial-intelligence-assisted verification capabilities.
Card issuing · 2023
Issuing
Issuing enables businesses to create and manage physical and virtual payment cards through Checkout.com’s infrastructure. The offering is intended for companies that need programmatic control over cards, spending workflows, and embedded financial experiences.
Payouts · 2021
Payouts
Payouts allows merchants and platforms to send funds to cards and bank accounts across markets. It extends Checkout.com beyond inbound payment acceptance into outbound money movement for marketplaces, platforms, and other businesses with global disbursement needs.
Business account
Checkout Business Account
The Checkout Business Account is a multi-currency account designed to help businesses hold, manage, and transfer funds. It addresses merchant liquidity and cash-flow needs alongside payment processing and settlement services.
Payment data storage · 2024
Standalone Vault
Standalone Vault provides a dedicated environment for storing payment credentials and related data. It is intended to help merchants manage reusable payment information independently of a particular checkout implementation.

Marketing campaigns

2024Merchant Risk Council fraud education partnership
Global
Checkout.com partnered with the Merchant Risk Council to provide educational resources focused on payment fraud and risk management.
Outcome. Industry education and fraud-prevention collaboration.
Source

Brand decisions

2025
Expand North American acquiring and commercial partnershipsStrategy
Background
Checkout.com continued international expansion while developing relationships with major payment networks and merchants.
Action taken
The company opened a San Francisco office, launched direct acquiring in Canada, and entered an agreement to support eBay’s payment infrastructure.
Aftermath
These initiatives increased the company’s presence in North America and its role in large-scale merchant payments.
Source
2024
Expand direct acquiring and merchant infrastructureStrategy
Background
The company continued to reduce reliance on intermediaries and broaden its global payments stack.
Action taken
Checkout.com became a direct acquirer in Japan and launched Flow, Standalone Vault, and Forward API.
Aftermath
The strategy strengthened local acquiring and expanded the platform’s technical coverage.
Source
2023
Introduce Issuing and Intelligent AcceptanceProduct launch
Background
Checkout.com expanded from transaction processing into card programs and authorization optimization.
Action taken
The company launched Issuing and Intelligent Acceptance.
Aftermath
The products extended the platform’s coverage of card creation and payment-performance management.
Source
2022
Acquire UbbleM&A
Background
Digital merchants needed remote identity checks for onboarding and compliance workflows.
Action taken
Checkout.com acquired French identity-verification company Ubble.
Aftermath
Ubble’s capabilities were incorporated into the company’s identity-verification offering.
Source
2021
Launch PayoutsProduct launch
Background
Merchants and platforms increasingly required global outbound disbursement capabilities in addition to payment acceptance.
Action taken
Checkout.com launched Payouts to cards and bank accounts.
Aftermath
The product broadened the company’s role in merchant money movement.
Source
2020
Acquire Pin Payments for regional expansionM&A
Background
Checkout.com sought to expand its payment capabilities and presence in Australia and New Zealand.
Action taken
The company acquired Australian payments business Pin Payments.
Aftermath
The transaction strengthened Checkout.com’s regional market coverage.
Source

Recent events

2025
Checkout.com announces employee share buyback at a reported $12 billion valuation[1]Checkout.comen.wikipedia.org
Other
The company initiated an employee share buyback program at a reported valuation above its 2023 internal figure.
2025
Checkout.com agrees to support eBay payment infrastructure[1]Checkout.comen.wikipedia.org
Other
Checkout.com entered an agreement with eBay relating to payment infrastructure support.
2025
Checkout.com opens San Francisco office and expands Canadian acquiring[1]Checkout.comen.wikipedia.org
Other
The company expanded its North American presence through a San Francisco office and direct acquiring capabilities in Canada.
2024
Checkout.com reports profitability and continued growth[1]Checkout.comen.wikipedia.org
Other
The company said it reached profitability by the end of 2024 and recorded 45% growth in its core business segments.
2023
Checkout.com lowers its internal valuation again[1]Checkout.comen.wikipedia.org
Other
The company’s reported internal valuation was adjusted to $9.35 billion following the earlier reduction.
2022
Checkout.com raises $1 billion at a reported $40 billion valuation[1]Checkout.comen.wikipedia.org
Other
The company announced a major private funding round backed by investors including the Qatar Investment Authority, Tiger Global Management, Altimeter, Dragoneer, Franklin Templeton, GIC, and the Oxford Endowment Fund.
2022
Checkout.com reduces its internal employee equity valuation[1]Checkout.comen.wikipedia.org
Other
The company reduced its internal 409A valuation from the prior $40 billion peak to $11 billion, enabling employee stock options to be re-priced at a lower valuation.

Sources9 sources

Cite this profile: Cite the canonical profile. /brand-wiki/checkoutcom · Editorial policy · How profiles are compiled