Checkout.com Due Diligence
Run due diligence on Checkout.com: check compliance and get alerts when suppliers change.
UK · www.checkout.com · 9 vendors
Checkout.com is a financial technology company that provides a cloud-based end-to-end payment gateway and platform. It offers payment processing services, operating as a payment gateway, acquirer, and processor for enterprise clients globally. The company's platform supports online transactions, fraud detection, identity verification, and various payment methods across numerous currencies.
Resilience scores
- Digital Sovereignty: 0
- Digital Resilience: 9
- Financial Resilience: 7
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Services catalogue
16 services in catalogue across 5 categories; runs on 9 sub-vendors.
- Acquirer
- smart routing
- Payment Optimization Tools
Insights
Last updated 2026-08-15 · revision 1
9 direct vendors, 149 subvendors
Direct vendors by controlling owner country (sample)
- United States: 8
- Poland: 1
Subvendors by controlling owner country (sample)
- Japan: 1
- United States: 110
- Czech Republic: 1
Compliance
16 in-scope frameworks identified; showing 3.
DORA (source) — No public evidence
Evidence: https://www.checkout.com/legal/certificates, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022R2554, https://trust.checkout.com/
ACPR — Evidence found
Evidence: https://www.checkout.com/legal/certificates, https://www.regafi.fr/
SOC 2 (source) — No public evidence
Evidence: https://trust.checkout.com/, https://www.checkout.com/legal/certificates, https://www.checkout.com
Financials
Three-year financials
- 2023:
- 2022: revenue US$407M, EBIT -US$300M
- 2021: revenue US$252.8M
Financial Resilience Score: 7/10
Checkout.com maintains a strong financial position underpinned by approximately US$1.8bn raised cumulatively across Series A-D funding rounds, with the January 2022 Series D of US$1bn at a US$40bn valuation providing multi-year runway. Founder-CEO Guillaume Pousaz has repeatedly stated the company has not required additional capital since, and retains majority control, allowing a long-term strategic horizon without near-term IPO pressure. The company's blue-chip enterprise customer base including eBay, Microsoft, Spotify, Uber, Shein, Alibaba, and others provides recurring high-volume transaction flows, while its direct regulatory licences across the UK, EU, US, UAE, Singapore, Hong Kong, and Australia reduce reliance on partner banks. However, resilience is tempered by persistent operating losses during 2021-2023 driven by heavy hiring, international expansion, and product development, with UK-entity losses reported in the US$300m+ range for 2022. The internal valuation was cut from US$40bn to approximately US$11bn in December 2022, reflecting broader fintech multiples compression. Additional risks include the loss of Binance as a major crypto client in August 2023, concentration in transaction-fee-based acquiring economics vulnerable to take-rate compression, and intense competition from Adyen, Stripe, PayPal/Braintree, Worldpay, and Fiserv. Limited public disclosure as a private company also reduces external ability to assess consolidated group resilience.
Key strengths: Approximately US$1.8bn raised cumulatively across Series A-D funding rounds, Series D of US$1bn in January 2022 providing multi-year runway, Blue-chip enterprise customer base (eBay, Microsoft, Spotify, Uber, Shein, Alibaba), Direct regulatory licences across UK, EU, US, UAE, Singapore, Hong Kong, Australia, Founder-controlled with majority stake, no near-term IPO pressure, Processed US$300bn in e-commerce payment volume in 2025, ~10x growth in processed volume over five years (2020-2025)
Risk factors: Persistent operating losses during 2021-2023 period, Valuation compression from US$40bn to ~US$11bn in December 2022, Loss of Binance as major crypto client in August 2023, Revenue concentration in transaction-fee-based acquiring economics, Intense competition from Adyen, Stripe, PayPal/Braintree, Worldpay, Fiserv, Limited public financial disclosure as a private company, Headcount reductions of ~5-10% during 2023 fintech cost cuts, Exposure to global e-commerce slowdown and take-rate compression
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