Checkout.com
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- Typically annual
- Settlement time
- Multi-currency available
- Est. monthly cost
- —
Checkout.com
Global enterprise payments platform with a choice of flat-rate or interchange++ pricing.
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Free
- Contract
- Typically annual
Best for
Enterprise and high-volume online businesses processing in multiple currencies and regions.
Pricing breakdown
All prices in AUDLast verified 11 June 2026Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
Enterprise sales process; choice of flat-rate or interchange++.
- Monthly fee
- Free
No account maintenance fees.
- Terminal cost
- Hardware quoted
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
Both flat-rate and interchange++ models available.
- Monthly fee
- Free
No account maintenance fees.
- Setup fee
- Free
Other fees
- Chargeback fee
- AMEX rate
- International card surcharge
- Varies
Either flat or interchange++ pricing.
- Early termination fee
- Varies
Annual contract typical.
- Instant payout fee
- Multi-currency available
- Refund fee
- Free
- PCI compliance fee
- Free
No account maintenance fees.
Contract terms
- Contract length
- Typically annual
- Settlement time
- Multi-currency available
- Least-cost routing
- Yes
- Recurring billing
- Yes
Accepted payment methods
Cards, wallets, and other methods supported by Checkout.com for Australian merchants.
Cards
- Visa
- Mastercard
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Afterpay
- Klarna
- Zip
Other
- Alipay
- WeChat Pay
Strengths and trade-offs
Pros
- Choice of flat-rate or interchange++ pricing
- No setup, monthly, or account maintenance fees
- Global multi-currency processing
- Free processing for registered charities
Cons
- No public pricing, enterprise sales process
- Less suited to small businesses
About Checkout.com
Checkout.com is a London-headquartered global payments platform serving enterprise and high-volume merchants across more than 50 countries including Australia. Offers both flat-rate and interchange++ pricing models, with no setup, monthly, or account maintenance fees.
Checkout.com was founded in 2009 and is headquartered in London, UK.
How Checkout.com compares
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Westpac
$214/mo est.
- In-person rate
- 1.2%
- Online rate
- 1.4%
- Monthly fee
- $24.75/mo
- Terminal cost
- $24.75/mo rental
- Contract length
- No lock-in
- Settlement time
- Instant
- Est. monthly cost
- $214/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Common questions about Checkout.com
The same questions Australian merchants ask before signing up.
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.
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Compare Checkout.com
Compare Checkout.com against every other Australian provider on price, contract terms, and features.