← Embedded Finance Index 2026/Vendor

Checkout.com

Provider

PSP FX / Payouts Card Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 113 companies across 3 categories.

checkoutcom.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗

CategoriesPSP, FX / Payouts, Card Issuing
Rank#4 of 537 in PSP
Buyers113 companies
HeadquartersLondon, United Kingdom
Founded2009
FoundersGuillaume Pousaz
Raised~$1.8B+

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Founders & story · from Checkout.com’s own dossier

Founded in 2009 as Opus Payments, the company rebranded to Checkout.com in 2012 and positioned itself as a full-stack payments provider — acting simultaneously as gateway, acquirer, processor, and risk engine — targeting enterprise clients in e-commerce, tech, and media. It scaled rapidly through 2021-2022, reaching a $40B peak valuation during the ZIRP era before suffering a sharp correction to $9.35B by 2023. By 2024-2025, the company reached operational profitability, stabilised at $12B valuation, and deepened its Platforms/PayFac product to address marketplace and platform-as-a-payfac use cases alongside its core acquiring business.

Latest round: Series D, January 2022

Recent developments

2026-09-10At its Thrive merchant summit, Head of North America Zack Levine reports Q2 2026 US payment volume up 126% year on year, the US now its fastest-growing region and on track to pass $100B annual processing volume; launches four North America products — Platforms (marketplaces, SaaS, ISVs), Direct Acquiring, Payouts (RTP alongside ACH, Pay-to-Card in Canada) and US Issuing (physical and virtual cards fundable straight from acquired balances, no pre-funding) — plus a new Mexico hub. Named US merchants include Uber, Spotify, Microsoft, eBay, Coinbase, Pinterest and Best Buy. source ↗
2026-09-09US direct acquiring goes live under the Georgia MALPB charter — one of only three companies acquiring through a MALPB — with direct connections to the US card networks, faster onboarding and control over the full payment lifecycle. source ↗
2026-01-12Georgia Department of Banking and Finance approves Checkout.com's Merchant Acquirer Limited Purpose Bank (MALPB) charter, letting it act as its own US acquirer with direct card-network access. source ↗
2025-09Checkout.com initiated an employee share buyback programme at a $12 billion valuation, ~30% above 2023 internal trough. source ↗

Full dossier: Checkout.com’s own stack, layer by layer →

Who uses Checkout.com

113 companies disclose Checkout.com in their stack

Chrono24 FREENOW ASOS Maslife Wise Moonpay Microsoft Br Dge Octopus Antom eTraveli Group Eneba+101 more

Buyer mix · 113 of 113 classified

Infrastructure / Payments · 12Marketplace / Two-sided · 11E-commerce / DTC brand · 7E-commerce / Platform · 6E-commerce / Retail · 6Fintech / Cross-border payments · 6Fintech / Crypto · 6Marketplace / Travel · 6

EU · 30 US · 29 UK · 28 APAC · 12 MENA · 10 LATAM · 1

What the disclosures say

FREENOW

“Checkout.com press release (January 2025): 'Checkout.com...has announced a new partnership with Freenow by Lyft...to deliver reliable and high-performing digital payments across all nine of its European markets.' Freenow support page confirms monthly billing via bank transfer, SEPA/Direct Debit, and individual credit c…”

ASOS

“Checkout.com press release (June 2025) explicitly names ASOS as a partner for global payment acceptance.”

Maslife

“Railsr press release (Sep 2022): 'Railsr is partnering with Maslife to launch a finance app... supported by Mastercard and Checkout.com.'”

Wise

“Checkout.com publicly lists Wise as a customer (known_customer_listings).”

Moonpay

“Checkout.com publicly lists MoonPay as a customer at checkout.com/customers (TIER 1).”

Microsoft

“Checkout.com's Head of North America named Microsoft among the US merchants it powers payments for at the Thrive summit (2026-09-10; https://www.finopotamus.com/post/checkout-com-records-triple-digit-us-growth-and-launches-new-products-to-support-merchants-across-no).”

View source · finopotamus.com ↗

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Checkout.com? Claim this profile above to unlock your own full list.

What Checkout.com runs on · from its own dossier

The third-party providers Checkout.com itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Checkout.com.

Full dossier with evidence for each layer →

Alternatives to Checkout.com

Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Stripe777 buyers →Adyen278 buyers →PayPal152 buyers →Worldpay89 buyers →mollie62 buyers →Braintree56 buyers →checkout56 buyers →Pix50 buyers →

Share this rank

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Checkout.com — frequently asked

Which companies use Checkout.com?

113 companies disclose Checkout.com in their stack in the Embedded Finance Index 2026, including Chrono24, FREENOW, ASOS, Maslife, Wise, Moonpay, Microsoft, Br Dge, Octopus, Antom and 2 others.

What does Checkout.com do?

Checkout.com is an embedded-finance provider in PSP, FX / Payouts and Card Issuing. It ranks #4 of 537 PSP providers by disclosed buyers.

What are the alternatives to Checkout.com?

The most-disclosed PSP alternatives to Checkout.com are Stripe (777 buyers), Adyen (278 buyers), PayPal (152 buyers), Worldpay (89 buyers), mollie (62 buyers) and Braintree (56 buyers).

Who founded Checkout.com?

Checkout.com was founded by Guillaume Pousaz and is founded in 2009, headquartered in London, United Kingdom.

How much funding has Checkout.com raised?

Checkout.com has raised ~$1.8B+ in total.

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