Checkout.com API
Payment Gateways & Processors
Tier-1 global payment processing & direct card acquiring API with multi-currency payouts and 3DS2
Checkout.com API Highlights
Checkout.com API is best for high-scale platforms, remittance fintechs, and global marketplaces needing tier-1 direct card acquiring
Bearer Token (Secret Key + Public Key)
Enterprise SLA with ultra-high concurrency and 99.999% uptime
Nigeria
Ghana
Kenyacom is a leading global payments platform providing proprietary end-to-end payment processing, direct card acquiring, and multi-currency payout infrastructure for high-growth enterprises (powering companies like Sony, TransferGo, and Wise). com provides granular control over transaction routing, 3D Secure authentication (3DS2), and local payment methods worldwide.
com's Unified Payments API, cross-border businesses can accept payments across 150+ currencies, optimize acceptance rates via Intelligent Acceptance AI, and disburse real-time payouts via Visa Direct and Mastercard Send.
Checkout.com API Core Features & Capabilities
| Feature | Status | Description & Capabilities |
|---|---|---|
| Card Payments (Visa / Mastercard / Verve) | ✓ Supported | Accept payments from local and international debit and credit cards with instant authorization. |
| Bank Transfer / Pay by Transfer | ✓ Supported | Accept direct bank transfers with automated payment matching and instant account reconciliation. |
| International / Multi-Currency Payments | ✓ Supported | Accept payments and hold balances across multiple global currencies including USD, GBP, and EUR. |
| Recurring / Subscription Billing | ✓ Supported | Automate repeated scheduled charges, subscription billing cycles, and saved card tokenization. |
| Payment Links & Invoicing | ✓ Supported | Create no-code shareable checkout links and electronic invoices sent directly to customers. |
| Webhooks & Real-time Notifications | ✓ Supported | Receive immediate server callbacks on transaction completions, chargebacks, and system events. |
| USSD Payments | ✗ Not Supported | Enable customers to complete transactions using telecom and bank USSD shortcodes without internet access. (Not supported by Checkout.com API). |
| Virtual Account Numbers | ✗ Not Supported | Generate dynamic or dedicated NUBAN virtual bank accounts to receive automated collections. (Not supported by Checkout.com API). |
- Interchange++ transparent pricing or flat fee tailored by business model and transaction volume
- Dedicated enterprise acquiring terms
Checkout.com API Supported Webhook Events
| Event Name | Trigger & Description |
|---|---|
payment.successful | Payment charge or invoice was processed and captured successfully. |
payment.failed | Payment collection attempt failed on card, transfer, or POS terminal. |
payout.successful | Outbound disbursement to bank account or mobile wallet was delivered. |
refund.processed | Refund was successfully settled back to customer payment method. |
dispute.created | Customer or bank logged a chargeback dispute against a transaction. |
Required Access Documents for Checkout.com API
- Checkout.com Enterprise AccountRequiredRegister at checkout.com to access sandbox credentials and enterprise onboarding
Different Checkout.com API use cases
- Cross-Border Marketplaces:Accept payments from global shoppers in their local currencies and route payouts to global merchants.
- High-Volume Fintech Platforms:Process millions of monthly card transactions with low processing latency and optimized interchange fees.
- Instant Card Disbursals:Send fast remittances and payout disbursements directly to recipient debit cards via Visa Direct.