Training Example: Checkout.com – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1] where
[H2] the world
[H2] checks out
Payments move money. High-performance payments move your business forward. It’s why we obsess over every basis point. And why businesses you love check out with Checkout.com.Get in touch
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Select your way to process payments online
[IMG: Two online checkout payment forms with card payment details for a video game and a foundation buffing brush, showing card number, expiry date, security code, and payment method options including PayPal and Google Pay on one form.]
Simplify global money movement
[IMG: Two digital credit cards, one blue and one black, with settings to toggle spending categories such as Travel, Food, and Utilities, and a spend limit of €2,000.]
Power performance with artificial intelligence
[IMG: Dashboard showing overall performance with revenue gained of +350K USD, acceptance rate boost of +1.50%, acceptance rate at 91.1%, and payments saved totaling 2M.]
Master fraud, risk and compliance
[IMG: Three cards showing payment disputes in euros with statuses: 13.10 EUR requiring evidence for product/service not received, 10.42 EUR dispute resolved for fraudulent, and 29.83 EUR evidence under review for credit not issued.]
Control how money moves worldwide
[IMG: Bar and line chart showing authorization performance in November with successful and failed authorizations, and authorization rate fluctuating between 50% and 90%.]
SPOTLIGHT
[H2] INTELLIGENTACCEPTANCE
Automatically optimize every payment with an AI engine designed to increase conversions and capture more revenue.Learn moreSPOTLIGHT
[H2] Checkout.com named a Leader by Forrester
Read independent insights informed by customer perspectives for a clear understanding of the payments market.Learn more
[IMG: Hand holding a smartphone displaying a screen with the text:]
[IMG: Hand holding a smartphone displaying a screen with the text:]
Rated 5/5 in the criteria ofRead reportDelivering smooth, secure payments for a global audienceRead moreServing millions of buyers and sellers globallyRead more
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Driving faster, simpler bookings across 39 countries
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Read moreEnhancing payments across 18 global marketsRead moreImproving customer experience with digital wallets and smart retriesRead moreImproving payment performance with AI-powered optimizationRead more
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200% growth in online experience bookings (5+ years)Read moreAchieving market-leading global payment acceptance ratesRead moreIncreasing acceptance rates in key marketsRead moreAI-optimized paymentsRead more
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4.15% uplift in acceptance ratesRead moreHandling millions of trips with real-time optimizationRead moreIncreasing acceptance rates with AI and network dataRead moreDelivering smooth, secure payments for a global audienceRead moreServing millions of buyers and sellers globallyRead more
[IMG: Stack of three hard-shell suitcases in silver, black, and blue with a yellow luggage tag on the middle suitcase.]
[IMG: Trip.com brand logo]
Driving faster, simpler bookings across 39 countries
[IMG: Trip.com brand logo]
Read moreEnhancing payments across 18 global marketsRead moreImproving customer experience with digital wallets and smart retriesRead moreImproving payment performance with AI-powered optimizationRead more
[IMG: Get Your Guide Logo]
200% growth in online experience bookings (5+ years)Read moreAchieving market-leading global payment acceptance ratesRead moreIncreasing acceptance rates in key marketsRead moreAI-optimized paymentsRead more
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[IMG: Vinted Logo]
4.15% uplift in acceptance ratesRead moreHandling millions of trips with real-time optimizationRead moreIncreasing acceptance rates with AI and network dataRead more6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text6% improvement in acceptance rateButton Text
[H2] Scale you can trust
$300BNThe total volume of ecommerce payments we processed in 2025 for enterprise merchants around the world.
[H2] Ready to push your performance?
Our payments experts are here to help you make money move. Find out what Checkout.com can do for your business.Get in touch
[H2] Latest articles
Blog
[H3] My Path in Payments: Sarah Boehmer, Senior Director, Payments & Chargebacks Strategy at justt
A conversation with Sarah Boehmer on her journey into payments, the role of chargebacks in agentic commerce, and why curiosity, collaboration, and constant optimization keep the industry moving forward. Jess AilionMay 11, 2026Blog
[H3] Issuing meets acquiring: Better together on a single platform
How unifying issuing and acquiring on a single platform helps travel businesses improve liquidity, accelerate supplier payments, generate new revenue from virtual cards, and strengthen control over risk and cash flow.Avishkar SharmaApril 30, 2026Blog
[H3] OpenAI’s agentic commerce shift: What it means for merchants
OpenAI is shifting from 'Instant Checkout' toward merchant-controlled checkout models, creating a more scalable and flexible foundation for agentic commerce. We explore what it means for your business. Rami JosefApril 20, 2026Blog
[H3] MRC collaboration: Thriving starts with education
As the payments profession flourishes, Checkout.com is committed to global payments education.Rory O’NeillApril 16, 2026Blog
[H3] The profit formula: How to balance revenue, fraud, and costs at checkout
“A company’s revenue engine is a critical success factor,” wise words of serial entrepreneur Tom Mohr.Daniel LinderApril 9, 2026Blog
[H3] How Checkout.com helps enterprises improve money movement efficiency with Visa Direct
Checkout.com’s partnership with Visa Direct enables enterprises to move money faster through card-based funding and payouts, improving customer experience across use cases like refunds, payroll, and remittances. Jess AilionApril 1, 2026Blog
[H3] Payment tracking update: What is Mastercard TLID?
Now is the time to prepare for storing the TLID from Mastercard. Varun RajMarch 24, 2026Blog
[H3] How we build at Checkout.com
From our recognition as a 2026 Forrester Wave™ Leader to the rise of agentic commerce, we’re sharing the foundational principles that shape how we build for the world’s most ambitious brands.Meron ColbeciMarch 19, 2026Blog
[H3] How to issue an effective payments RFP
Learn how to issue a payments RFP in 2026 with expert tips, key criteria, and a complete framework for evaluating and selecting payment providers.Sam ReneauxMarch 1, 2026
[H2] Popular resources
Blog
[H3] 2025 Annual Letter: The Power of the Long View
"Why do we fall, Bruce? So we can learn to pick ourselves up." Thomas Wayne, Batman Begins Guillaume PousazFebruary 24, 2026Blog
[H3] Agentic commerce: Your questions answered
How exactly do agentic payments work? What are the costs? I answered these questions and more in a live Q&A hosted by MRC. Rami JosefFebruary 21, 2026Blog
[H3] OpenAI’s ACP and Google’s UCP: What’s the difference?
Rami JosefJanuary 11, 2026Blog
[H3] Agentic commerce: Where consumer intent meets merchant opportunity
Learn about the opportunities agentic commerce could create to reach customers.Rami JosefDecember 16, 2025Blog
[H3] Chargebacks in agentic commerce: How merchants can stay ahead
With AI agents reshaping the purchase flow, the tools and strategies that bring trust, traceability, and clarity to chargeback defence.Isabel ScavettaDecember 4, 2025Blog
[H3] How to get the best out of Apple Pay for revenue growth
This guide outlines key ways to optimize your Apple Pay integration for better performanceMax LamondNovember 19, 2025Blog
[H3] Conversion tactics for White Friday 2025: How to win customers at checkout
Here are my four top tips on converting customers this White Friday.Mohamad RmeityNovember 3, 2025Blog
[H3] Optimizing your payments flow for the latest Google Play Store updates
With the Epic Games vs. Google compliance deadline ending last week, here's everything you need to know about how it affects your payments flow and how to optimize accordingly. Checkout.comNovember 3, 2025Blog
[H3] Your first 90 days as Head of Payments
Where should you focus during your first 90 days as a Head of Payments, and how do you build the right foundation?Adel NaamnehSeptember 26, 2025
[H2] Developer resources
May 7, 2024
[H3] Get started
Learn how to embed a form in your website or application to accept payments from your customers. We'll walk you through a payment flow using our Frames product, which collects card details through an iframe.Learn moreMay 7, 2024
[H3] Use the dashboard
The Dashboard is your single source for monitoring and analyzing all your payments. Get your key performance indicators, payment history, details and analytics – all in one place.Learn moreMay 7, 2024
[H3] Payments
Integrate with Checkout.com's various payment services.Learn more
[H2] Frequently asked questions
How does Checkout.com work?Checkout.com enables businesses to move, manage, and optimize money by acting as an end-to-end Payment Services Provider. We empower businesses to accept payments online and disburse funds to their entities and customers through a range of payment methods and integration options.To help merchants accept the highest possible number of legitimate payments while preventing fraud, we offer Intelligent Acceptance, Authentication, Identity Verification, and Fraud Detection tools. With these tools, businesses can find the point between risk and acceptance that’s right for them.We also help our merchants direct funds flexibly, giving them a view of their balances across payins and payouts across all geographies and currencies, allowing them to manage these payments through a single dashboard.Is Checkout.com easy to integrate with?We offer a range of integration options, including hosted payment pages – a simple integration method that allows businesses to provide us with payment information, which we use to generate a link that redirects customers to a hosted payments page.All of our integration methods are supported by detailed technical documentation, an API reference, and FAQs, with a dedicated support team to help with merchants' questions.How reliable is Checkout.com’s platform?Checkout.com’s platform is built using proprietary technology and is highly resilient. Our platform has self-healing capabilities which improve scalability and optimization, allowing our platform to deliver uptime.‍As a cloud-native platform, we take full advantage of utilizing availability zones. This significantly reduces redundancy and improves fault tolerance. In other words, if a failure occurs - be it due to hardware issues, software glitches, network outages, cyberattacks, or even natural disasters - our platform is designed to automatically reroute to a different, functional availability zone. ‍Our innovative use of technology makes our platform a dependable partner in your business journey.What markets does Checkout.com operate in?Checkout.com is a global payment service provider with local acquiring capabilities in over 50 countries across Europe, North America, the Middle East and Asia-Pacific.Our platform supports more than 150 processing currencies, enabling businesses to avoid cross-border charges and reduce foreign exchange costs.We also provide extensive local support through our 19 offices worldwide. Our experts can help you to grow or streamline your payments globally – wherever you are, whenever you need us.What payment methods can I accept?We support all the major card schemes and a range of popular ways for consumers to pay in local markets - including direct debit payment methods, voucher payment schemes, digital wallets, and bank transfers. For more information on the different payment methods we support in different regions see our payment methods directory.

[H1] Speak to our team
Checkout.com empowers leading businesses to exceed customer expectations and drive growth through high-performance payment solutions. Contact our team today and see why we’re where the world checks out.Over 150Currencies, expanding your global reach99.99%Uptime for reliable, constant processing.up to 60%Fraud reduction with advanced security.
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[H2] "The team knows payments across all the markets they serve."
David WheelerSenior Director of Technical Product Management
[H2] DEDICATED TO PERFORMANCE
We’re here to help merchants thrive in the digital economy. And the recognition of independent experts underscores our commitment to innovation, security, customer satisfaction, and performance.
[H2] SEE HOW WE STACK UP
Checkout.com was rated a Leader in The Forrester Wave: Merchant Payment Providers, Q1 2026 report. Read an independent analysis of the leading payment providers.Download the report
[H2] Contact sales by phone
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United Kingdom (HQ)+44 207 323 3888
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Germany+49 30 8878 9157
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France+33 187 169 980
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Portugal+351 22 120 8500
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Spain+34 919 01 21 70
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Saudi Arabia+966 11 510 3266
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China+86 021 8051 0459
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United Arab Emirates+971 4 420 2886
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Japan+81 3-6843-4678
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Karachi+44 207 323 3888
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Ireland+353 1 574 7380
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Hong Kong+852 3002 4051
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New Zealand+64 9 888 8625
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Singapore+65 6929 0270

Intelligent acceptance
[H1] MAKE EVERY PAYMENT COUNT
Automatically optimize every payment with Intelligent Acceptance – an AI engine designed to increase conversions and revenue.Get in touch
[H2] Unlock untapped revenue
Capture every possible payment and boost acceptance rates with real-time optimizations.
[H2] Minimize effort
Get hundreds of optimizations working for you with no manual work or additional integrations.
[IMG: Automation]
[H2] Adapt automatically
Stay ahead with models continuously adjusting to trends, regulations, and issuer preferences.
[H2] Strike your ideal balance
Capitalize on fraud insights to lift acceptance without being exposed to risk.
[H2] Results that count
Intelligent Acceptance is built to maximize payment performance and bring tangible revenue gains.*Between 2022 & 2024 for Checkout.com merchants
[H3] 3.8%
acceptance rate uplift on average across global brands
[H3] $10B+
in additional revenue generated for our merchants to date
[H3] 60M+
optimizations performed daily to power leaps in transaction success
[H2] Fine-tune each step of every payment, in real time
Relevant optimizations are applied automatically to maximize the payment success rate.
[IMG: Fine-tune each step of every payment, in real time]
[H3] Adaptive messaging
Adjust data to fit issuer and network preferences.
[H3] Dynamic routing
Find the best path across debit, local, or global networks.
[H3] Smart authentication
Apply the right verification and exemption type.
[H3] Network tokens
Enhance security, increase acceptance, eliminate churn.
[H3] Intelligent retries
Automatically recover failed transactions in real time.
[IMG: Harness the latest payment innovations and trends]
[H2] Harness the latest payment innovations and trends
Optimize payment flows based on issuer preferences, regulatory requirements, and your goals
[H3] Network Tokens (NTs)
Striking perfect balance between acceptance, security, cost and user experience. Intelligent Acceptance applies Network Tokens when they are accepted by issuers and bring the highest chance of approval.
[H3] SCA exemptions
Make the most of 3DS without killing conversions. Relevant exemptions and authentication flows ensure seamless experience for legitimate users, leaving challenges for gray areas.
[H3] Pinless debit
Dynamically route transactions across local and global brands. Whether your focus is cost or approval rate, Intelligent Acceptance would offer the most beneficial path based on your goals.
[H2] Modular optimization fitting your needs
Enjoy full flexibility to optimize payments your way based on your payments stack, market needs, and consumer preferences. Intelligent Acceptance can be applied to certain products or act as a performance layer across your payment flow.
[IMG: Modular optimization fitting your needs]
[IMG: smart tools]
[H2] Close your data gaps and leave no payment behind
By focusing on data quality and traffic health, you can capture hidden revenue, ensure compliance, and deliver a seamless checkout experience.
[H3] Quick detection
Effortlessly spot issues like missing fields or conflicting flags before they undermine revenue.
[H3] Actionable insights
See transaction-level impact, unrealized acceptance basis points, and recommended fixes.
[H3] Trends monitoring
Track improvements over time and watch your acceptance climb while fraud-related declines drop.
[H2] Make payments faster. Smarter. More adaptive.
Find out how we can help your business go further.Talk to our team
[H2] Vinted
[H2] x Checkout.com
[IMG: Vinted]
[IMG: Vinted]
[H3] “Providing outstanding digital experiences is central to our mission of making second-hand first choice at Vinted. Checkout.com’s advanced technology and deep knowledge of European and the UK markets have been key to helping us achieve this, enabling us to scale with confidence and deliver the high-performance payments our users expect.”
[IMG: Greta Atminaitė]
Greta AtminaitėStrategic Partnerships, Payments at VintedCase studyRead more about how we made this possible with Vinted here.Learn more
[H2] Explore our resources
Explore more
[IMG: Papa Johns UK boosts acceptance rates and offers more payment methods with Checkout.com]
[IMG: Papa Johns UK boosts acceptance rates and offers more payment methods with Checkout.com]
Case Study
[H3] Papa Johns UK boosts acceptance rates and offers more payment methods with Checkout.com
Learn more
[IMG: Checkout.com pulls in $2 million extra revenue for MENA fintech unicorn Tamara]
[IMG: Checkout.com pulls in $2 million extra revenue for MENA fintech unicorn Tamara]
Case Study
[H3] Checkout.com pulls in $2 million extra revenue for MENA fintech unicorn Tamara
Learn moreNo items found.
[IMG: 7 payments trends for 2025]
Blog
[H3] 7 payments trends for 2025
Learn more
[IMG: How an integration health check can improve payment performance]
Blog
[H3] How an integration health check can improve payment performance
Learn moreLoad more
[H2] Ready to drive more revenue with payments optimized for growth?
Get in touch

[IMG: Forrester Brand Logo]
[H1] Checkout.com named a Leader by Forrester
[H2] The Forrester Wave™: Merchant Payment Providers, Q1 2026
We’ve been recognized by Forrester in their latest analysis. Read independent insights informed by customer perspectives for a clear understanding of the payments market.Read the full report
[IMG: Hand holding a smartphone displaying a screen with the text:]
[IMG: Hand holding a smartphone displaying a screen with the text:]
Rated 5/5 in the criteria of
[IMG: Forrester Brand Logo]
[IMG: quotes icon]
Checkout.com’s core strength is getting maximum performance...
[IMG: Forrester Brand Logo]
[H2] How we help businesses perform
[H3] A focus on performance
“Checkout is deliberate about product development… it will be among the first to try novel tactics to boost payment performance.”
[H3] Transparent partnership
“Checkout compares itself directly to peers and encourages A/B testing, and this transparency is an important part of its strategy.”
[H3] Intelligent innovation
“Customers praise Checkout’s ability to balance experimentation and transparency in its performance optimization efforts.”Read report
[H2] SEE WHAT’S BEHIND THE RESULTS
[IMG: Man in a black sweater and jeans sitting on a chair, gesturing with his hand while talking across a small table with decorative items and glasses of water.]
Blog
[H3] How we build at Checkout.com
From our recognition as a 2026 Forrester Wave™ Leader to the rise of agentic commerce, we’re sharing the foundational principles that shape how we build for the world’s most ambitious brands.
[IMG: Meron Colbeci profile image]
Meron ColbeciMarch 19, 2026•5 min read
[IMG: Three people sitting on floor indoors smiling and chatting, two men and one woman in casual and business attire.]
Blog
[H3] 2025 Annual Letter: The Power of the Long View
"Why do we fall, Bruce? So we can learn to pick ourselves up." Thomas Wayne, Batman Begins.
[IMG: Portrait of Guillaume Pousaz]
Guillaume PousazFeb 24, 2026•5 min read
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case study
[H3] How Vinted drove a 4.15% uplift in acceptance rate with Checkout.com across Europe
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Blog
[H3] How to issue an effective payments RFP
Learn how to issue a payments RFP in 2025 with expert tips, key criteria, and a complete framework for evaluating and selecting payment providers.Sam ReneauxJune 30, 2025•5 min readBlog
[H3] Agentic commerce: Your questions answered
How exactly do agentic payments work? What are the costs? I answered these questions and more in a live Q&A hosted by MRC.Rami JosefFebruary 12, 2026•5 min read
[IMG: A woman with long dark hair wearing a dark green blouse smiling and standing in front of a blue geometric structure, with two blurred people in the foreground.]
Blog
[H3] How to overcome payment challenges in global expansion
Discover insights from Checkout.com’s Thrive conference on how Flow helps merchants navigate global payment challenges and accelerate growth in new markets.Umang SotaMarch 5, 2025•5 min read