Scale Global Commerce with Checkout.com Payment Gateway
Checkout.com recurring payments work as a payment gateway, acquirer, and processor on one platform, built for enterprise e-commerce merchants. It operates locally in 50+ countries across Europe, North America, the Middle East, and Asia-Pacific, and processes over 145 currencies. SubscriptionFlow integrates with Checkout.com directly to help subscription businesses grow faster.
What Sets the Checkout.com Payment Gateway Apart
Checkout.com optimizes each authorization as it happens and puts gateway, acquiring, and processing on one platform.
Intelligent Acceptance
Runs five optimizations on each transaction (message formatting, authentication, token choice, routing, and retries), with models that adjust to issuer behaviour in under 150 milliseconds.
Gateway, Acquirer, and Processor in One Contract
Authorization requests, local acquiring, and processing run on one platform under one agreement.
Real-Time Account Updater
Prevent missed payments with real-time card updates that keep the payments flowing in case your customer's card is lost, stolen, or expired.
Smart Retries
Retry logic adapts to the specific decline code, and a payment declined on a network token is retried with the card number in real time.
One API for Full Payment Lifecycle
Manage charges, captures, refunds, and data from one integration instead of stitching together several.
Pre-Processing
Fine-tune checkout performance with the data and controls you need before the payment request.
Payment Request
Move money across global card schemes, local card schemes, and other payment methods.
Lifecycle Management
Handle capture, refund, and void operations through the same API.
Post-Processing Data
Get granular payment insights to guide your next optimization.
Flexible Ways to Start the Subscription
Capture the first payment wherever your customer is, then let tokenization carry every renewal.
Flow
Customizable components offer the most relevant payment methods by location, currency, and device. Checkout.com supports 20+ languages and has a "Remember Me" feature, which speeds up returning shoppers' checkout.
Hosted Payment Page
Launch a fully branded, PCI-compliant checkout page in under a day with a low-code one-time integration.
Payment Links
Send single- or multi-use links by email, SMS, WhatsApp, or social media, created from the dashboard or API with no coding. Checkout.com hosts the page and supports 3DS from day one.
Mobile SDK and Plugins
Flow for iOS and Android keeps customers inside your app, and plugins connect Checkout.com to the ecommerce and subscription platforms you already use.
Get Global Reach with Checkout.com Payment Gateway
Global reach and local performance, built for recurring billing at scale.
- Direct acquiring licenses in APAC, MENAP, the UK and US (via MALPB charter), with 57 domestic processing countries.
- 150+ processing currencies and 20 settlement currencies, which minimize cross-border fees and FX exposure before settlement.
- Local and alternative payment methods through one integration, including Apple Pay, Google Pay, PayPal, Klarna, iDEAL, Bancontact, BLIK, and Alipay.
- A Dashboard that shows acceptance rates, volumes, refunds, disputes, fees by card type and currency, and tools for finance teams to reconcile invoices and settlements.
Why the SubscriptionFlow + Checkout.com Integration Helps
With this integration, your billing logic and payment performance stay in sync, so subscription teams do less manual work.
Fewer Failed Renewals
Tokenized, auto-updated cards mean SubscriptionFlow invoices are charged against credentials that are current, which cuts involuntary churn.
Less Manual Reconciliation
Billing runs in SubscriptionFlow, while the Checkout.com Dashboard gives finance teams settlement and fee breakdowns by card type, payment method, and currency.
Easier Global Expansion
Add new markets through Checkout.com's local acquisition and payment methods, and keep billing customers in SubscriptionFlow without re-engineering your payment stack.
Fast Dispute Resolution
Checkout.com offers rapid dispute resolution, powered by Visa's Verifi, and settles eligible disputes before they become chargebacks under rules you define, which helps avoid placement in a Visa chargeback program.
Security, Anti-Fraud, and Card Data Controls
Fraud screening, card vaulting, authentication, and dispute handling are built into the same platform as payment processing. The platform screens every transaction with network signals, velocity limits, and allow/block lists. Its fraud detection mechanism adds machine learning risk scores from 0 to 100, custom rules, and backtesting against historical traffic.
Vault stores card data and network tokens, issues PSP-agnostic tokens, and simplifies PCI and GDPR compliance. Its Forward API sends stored credentials to a fallback PSP, fraud engine, or CRM.
Intelligent acceptance decides when a payment needs 3D Secure, picks the protocol version, and requests SCA exemptions based on issuer preference. With 3D Secure applied, the issuer carries liability for fraud chargebacks.
Connect With Checkout.com in Three Simple Steps
Get Your Checkout.com Credentials
Sign in to the Checkout.com Dashboard and generate your API keys.
Add Checkout.com in SubscriptionFlow
In SubscriptionFlow's payment gateway settings, select Checkout.com and enter the API keys. Then choose which payment methods and currencies to enable.
Run a Test Subscription, then Go Live
Create a test plan, subscribe a test customer with a Checkout.com test card, and confirm that the first charge and a renewal both succeed. Once they do, switch to your live keys.
Start with Checkout.com Today
Stop losing subscribers to expired cards and false declines. Pair Checkout.com’s recurring payment tools with SubscriptionFlow’s billing automation to scale your subscription business today.