Checkout.com

Checkout.com offers a choice of flat-rate or interchange-plus-plus (IC++) pricing, both of which are negotiated directly with their enterprise sales team. There are no publicly listed standard rates for Australian merchants.

Checkout.com does not charge a monthly account fee or setup fee. Pricing is purely transaction-based, structured as part of a custom commercial agreement.

Yes. Checkout.com supports least-cost routing for eligible Australian debit card transactions, routing them through the eftpos network when it results in a lower cost than Visa or Mastercard. This is particularly valuable for high-volume in-person or omnichannel merchants.

Yes. Checkout.com is a global payment platform with multi-currency processing and settlement capabilities, which makes it suited to Australian merchants who sell internationally or operate across multiple regions.

Yes. Checkout.com provides free payment processing to registered charitable organisations, which is a notable differentiator for not-for-profit entities in Australia looking for an enterprise-grade gateway.

Checkout.com is designed for enterprise and high-volume online businesses, particularly those with international operations or complex multi-currency needs. Smaller businesses or those wanting off-the-shelf flat-rate pricing will find the enterprise sales process and lack of public pricing less accessible.

Checkout.com acquired Pin Payments in 2024, bringing a strong local Australian payments team and customer base into the Checkout.com group. Pin Payments continues to operate as a separate product for the SME segment.

Checkout.com Integrated Platforms is the marketplace and payment facilitator product from Checkout.com. It lets platforms onboard sub-merchants, collect payments from buyers, split funds automatically according to commission rules, and pay out to sellers in real time. Fund movement is controlled at the API level, giving the platform full visibility of the ledger.

The platform configures split rules via the Checkout.com API. When a buyer pays, Checkout.com automatically allocates the platform commission to the platform account and transfers the seller share to the sub-merchant balance account. The platform can then trigger payouts to seller bank accounts on a schedule it controls.

Checkout.com does not publish standard marketplace rates. Pricing is agreed as part of an enterprise contract and is typically interchange-plus or flat-rate depending on volume and mix. Contact Checkout.com for a custom quote.

Checkout.com Integrated Platforms includes pre-built contextual onboarding forms with automated identity verification. Sellers complete the onboarding within a flow the platform can embed or link to, and Checkout.com handles the underlying verification checks. The aim is to let new sellers start transacting quickly while meeting regulatory requirements.

Checkout.com is a global enterprise processor with strong multi-currency capabilities and coverage across 50+ countries. However, its Integrated Platforms product launched in select European markets first, and availability for Australian platforms should be confirmed directly with the provider before proceeding. Early-stage platforms should also note that Checkout.com is enterprise-focused with no public pricing.

Yes. Checkout.com supports delayed capture, meaning funds can be authorised and held before settlement is confirmed. Platforms can use this capability to release seller payouts only after order fulfilment, dispute windows, or other conditions are met.

Checkout.com includes built-in fraud detection and risk management tools for both buyer transactions and sub-merchant activity. These work at the payment level to flag suspicious transactions before they settle, reducing chargeback exposure for the platform and its sellers.