Checkout.com
Tier table (vendor-published)
Source: https://www.checkout.com/pricing (verified 2026-06-19).
What Checkout.com is best for
- Global enterprise merchants needing one contract across EMEA, APAC, and the US.
- Platforms that need granular acceptance optimisation at the issuer level.
Hidden costs and gotchas
Checkout.com publishes pricing structure options (flat-rate, interchange++, free for charities) but no specific rates. Tailored quote required.
- Checkout.com publishes pricing models (flat-rate, IC++, free for charities) but no rate cards.
Checkout.com fees: the line items it does publish
Checkout.com publishes no rates, but it does publish the full list of what it bills for. Card processing alone carries more than a dozen separate chargeable line items, and authentication, fraud screening, network tokens, account updater, settlement and payouts are billed on top of those. Use this list as the checklist for your quote: any row left blank in a proposal is a fee you have not priced.
- Authorisation fixed fee
- Gateway fixed fee
- Gateway capture fixed fee and gateway capture variable fee
- Card verification fee
- Void fixed fee
- Refund fixed fee
- Blended fixed fee and blended variable fee
- Premium fixed fee and premium variable fee
- Chargeback fee
- Pre-dispute accepted and pre-dispute declined fixed fees (from August 2023)
- Ethoca pre-dispute accepted fixed fee
- Representment fixed fee and retrieval fixed fee (from November 2023)
- Gateway fixed fee
- Capture fixed fee and capture variable fee
- Void fixed fee
- Refund fixed fee
- Return fixed fee and disputed return fixed fee
- Authentication fixed fee (3DS)
- Risk engine fixed fee (fraud detection)
- Intelligent Acceptance fixed fee (from August 2023)
- Network token provisioning and network token update fixed fees
- Real-Time Account Updater fixed fee
- Acceleration variable fee (from January 2025)
- Forwarding request fixed fee and card metadata retrieval fixed fee
- Settlement domestic fixed fee and domestic variable fee (from November 2023)
- Settlement international fixed fee and international variable fee
- Bank payout confirmed and payout returned fixed fees
- Card payout confirmed fixed fee, payout success fixed fee and payout success variable fee
Checkout.com also runs a minimum billing threshold, so the fees above count towards a monthly floor you pay whether or not your volume reaches it. The amount of that floor is not published either. Ask for it explicitly.
Source: checkout.com legal minimum billing fee schedule (verified 7 September 2026).
FAQ
Is there a published Checkout.com rate?
No. Checkout.com requires a tailored quote even for self-serve tiers. Re-checked on 7 September 2026: checkout.com/pricing still names three pricing structures (fully flat-rate, interchange++, free for registered charities) and no numbers.
What fees does a Checkout.com invoice actually contain?
Checkout.com does not publish rates, but it does publish the list of chargeable line items in its minimum billing fee schedule. Card processing alone carries more than a dozen named fees including an authorisation fixed fee, gateway fixed fee, gateway capture fixed and variable fees, card verification fee, void fixed fee, refund fixed fee, chargeback fee, representment and retrieval fixed fees, and blended or premium fixed plus variable fees. Authentication, risk engine, network token, account updater, settlement and payout fees are billed on top. Source: checkout.com/legal/minimum-billing-fee, verified 7 September 2026.
Why does the fee list matter if there are no rates?
Because a quote that only prices the blended variable fee leaves fifteen or more line items unpriced. Take the published list into the sales conversation and make Checkout.com fill in a number against each row that applies to you.
Who is Checkout.com for?
Mid-market and enterprise merchants that need a single global acquirer with strong issuer-level optimisation.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.