# Checkout.com

> Source: https://docs.barcoder.ai/docs/wallets/checkout-com
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Checkout.com — official](https://www.checkout.com/)

## Overview

**Checkout.com** is a **global, API-first enterprise online payment processor** providing acquiring, gateway, fraud, and payouts for large e-commerce, fintech and digital businesses <sup>[1][1], [United Kingdom report](https://docs.barcoder.ai/docs/payments/GB)</sup>. It positions against **[Adyen](https://docs.barcoder.ai/docs/wallets/adyen)**, **[Stripe](https://docs.barcoder.ai/docs/wallets/stripe)** and **Worldpay** at the enterprise end, emphasizing **direct acquiring connections, high authorization rates and a single API** for cards plus alternative payment methods worldwide.

The company was, at its **2022 ~$40B valuation**, one of Europe's most valuable private fintechs; it later reset its internal valuation amid the broader fintech repricing while continuing to grow processing volumes.

## History

**2012 — Checkout.com founded** by **Guillaume Pousaz** (building on his earlier Opus Payments gateway business) to offer direct, full-stack online acquiring <sup>[2][2]</sup>.

**2019 — $230M Series A**, then **2020 $150M Series B** and **2021 $450M Series C** rapidly scaled the company.

**2022 — $1B Series D at ~$40B valuation** <sup>[2][2]</sup>, making it one of Europe's highest-valued private fintechs.

**2023-2025 — Internal valuation reset** during the fintech downturn while continuing global expansion (US, MENA, APAC) and serving crypto/fintech clients.

## Ownership & operator

**Operating entity**: **Checkout Ltd**, trading as **Checkout.com**.

**Founder / CEO**: **Guillaume Pousaz** (majority owner).

**Investors**: Tiger Global, Insight Partners, Coatue, GIC, Qatar Investment Authority, Dragoneer, Franklin Templeton and others.

**Regulators**: **FCA (UK)** + **CBUAE (UAE)** + per-country EU/MENA/APAC payment regulators.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Unified payments API + hosted/embedded checkout + server-to-server integrations |
| **Identifiers** | Card (global networks) + bank-based methods + 100s of alternative payment methods |
| **Acquiring** | Direct acquiring connections in multiple regions for higher authorization rates |
| **Risk** | Fraud detection + 3-D Secure + reconciliation + payouts/disbursements |
| **Customer focus** | Enterprise e-commerce, fintech, marketplaces, crypto |

## Implementations & partners

**Operator**: **Checkout Ltd**.

**Customers / segments**: large digital merchants, marketplaces, fintechs and crypto platforms.

**Card networks + APMs**: Visa, Mastercard, Amex + regional schemes + wallets and bank-transfer methods.

**Competitors**: **[Adyen](https://docs.barcoder.ai/docs/wallets/adyen)**, **[Stripe](https://docs.barcoder.ai/docs/wallets/stripe)**, **Worldpay**, **Nuvei**, **dLocal** in emerging markets.

**Regulators**: **FCA + CBUAE + per-country EU/MENA**.

## Status

**Active**, a leading enterprise API-first online payment processor <sup>[1][1], [2][2]</sup>:
- **Checkout Ltd (Checkout.com)**, founder-led by **Guillaume Pousaz**.
- **~$40B peak private valuation (2022)**, later reset.
- Direct acquiring + unified API + global APM coverage.
- **FCA + CBUAE + per-country regulated**.

## Sources

[1]: https://www.checkout.com/ "Checkout.com — official"
[2]: https://en.wikipedia.org/wiki/Checkout.com "Checkout.com — Wikipedia"
[gb-cro]: https://docs.barcoder.ai/docs/payments/GB

- [1] [Checkout.com — official][1]
- [2] [Checkout.com — Wikipedia][2]
- <sup>[United Kingdom report](https://docs.barcoder.ai/docs/payments/GB)</sup> In-corpus: see GB country report

## Source

Biography extracted from [checkout-com.md](https://docs.barcoder.ai/source/wallets/checkout-com). See `matrix.md` for standards-support matrix if present.