Checkout.com

Checkout.com is a high-performance global payment processor that has become a preferred partner for UK-based digital businesses, fintechs, and large-scale e-commerce retailers. It distinguishes itself through its modular cloud-based technology, which provides direct access to domestic acquiring across most major markets. It is the ideal choice for “International” and “SaaS” businesses that need a high-transparency […]

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Wholesale rates live for March 2026

Purpose-built payment architecture for global scale and data-driven insights.

Large “Multi-Vendor Marketplaces” and scaling “Subscription” businesses often suffer from “black box” processing, where high transaction failure rates remain unexplained, and hidden fees erode margins. Checkout.com solves this by providing “Intelligent Acceptance” — an AI-driven optimisation engine that uses real-time data to routing transactions through the most successful paths. Their platform provides deep-level “ISO 20022” data, giving merchants the exact reasons for declines so they can recover lost revenue and improve checkout success rates.

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Pricing Structure

  • Pricing Model: Checkout.com typically uses an “Interchange Plus Plus” (IC++) model, which passes through the exact cost of the card network fees with a transparent markup.
  • Transaction Fees: Highly bespoke based on volume and geography; usually starts with a low per-transaction fee (e.g., 0.95% + £0.20) for enterprise-level volume.
  • Monthly Fees: Generally tailored to the service level agreement (SLA) and volume requirements.

Pros & Cons Of Checkout.com

Pros

Cons

Supported Platforms

WooCommerce, Shopify, Magneto (Adobe Commerce), BigCommerce, CRM Systems (Salesforce, Hubspot, Zoho), ERP Systems (NetSuite, SAP, Microsoft Dynamics), Custom API / SDK

Features

Recurring Bill Support, Apple Pay / Google Pay Compatible, Same-Day / Next-Day Payouts, Fruad Management Tools, Multi-Currency Support, Real-Time Analytics, Payment Links (Pay-by-link), Tokenisation

Frequently Asked Questions

1. Which is the best payment gateway for a small business in the UK?

There is no “one size fits all” answer, as the best provider depends on your specific transaction volume and whether you sell online or in person. Small businesses often prioritise low monthly overheads and transparent “pay-as-you-go” pricing. To find the most cost-effective provider for your specific turnover, use our bespoke comparison calculator today.

When comparing providers, you should evaluate transaction fees, settlement times (how quickly you get your money), and integration ease with your website or EPOS system. Reliability and UK-based customer support are also vital factors. To see a side-by-side breakdown of the top UK providers tailored to your sector, start your free comparison now.

Yes, many UK providers specialise in “Continuous Payment Authority” (CPA) or Direct Debit integrations, which are essential for subscription-based models . These gateways automate billing cycles to help reduce churn and administrative labour. To discover which subscription-ready providers offer the lowest rates for your business, run a quick calculation through our tool.

4. Are there specific QR code payment gateways for UK restaurants?

Modern hospitality businesses are increasingly adopting “at-table” ordering via QR codes to increase efficiency. This technology allows customers to scan, order, and pay without waiting for a physical terminal. If you are looking to modernise your restaurant’s checkout process, use our calculator to find the best mobile-integrated payment solutions.

While some platforms offer “free” builders, they often recoup costs through higher transaction fees on ticket sales . If you are organising an event, it is crucial to balance the cost of the software with the long-term processing fees. We can help you identify which platforms offer the best value for event-based payments—simply enter your estimated ticket volume into our comparison tool.

Many UK businesses remain on “standard” rates long after their volume has grown, meaning they are overpaying by hundreds, if not thousands, of pounds annually. Switching to a provider that offers volume-based discounts can significantly improve your margins. Discover your potential savings in less than two minutes by using our free comparison calculator.