Used For

• +**Your e-commerce site loses 15% of sales to payment failures** → Smart routing finds the processor most likely to approve each transaction, cutting failed payments in half
• +**You're manually checking transactions for fraud and missing the obvious ones** → AI scores every transaction in milliseconds, blocks fraud without you staying up at 3am
• +**Customers abandon carts when their saved cards expire** → Network tokens automatically update expired card details so subscriptions keep working
• +Handles payouts to 40+ countries in local currencies - no more explaining to customers why they got charged extra for currency conversion
• +Connects to your existing tools without rebuilding your checkout flow - works with Shopify, WooCommerce, or custom builds

Best For

• >Your payment approval rates dropped and every failed transaction is lost revenue
• >Processing thousands of transactions monthly across different countries and currencies
• >Stripe hit you with volume limits or compliance requirements you can't meet

Not For

• -Small businesses under $1M annual revenue — the setup costs and complexity aren't worth it until you have serious volume
• -Companies wanting simple, fixed pricing — everything is custom negotiated and the final bill includes surprises
• -Teams without developers — even the 'easy' integrations assume you know how to handle webhooks and test sandbox environments

Pairs With

• *Shopify (handles the storefront while Checkout.com processes payments with better approval rates than Shopify Payments)
• *Stripe (as a backup processor when Checkout.com's routing decides Stripe has better odds for specific transactions)
• *QuickBooks (for reconciling all those successful transactions you're now getting thanks to better routing)
• *Salesforce (to track which payment methods work best for different customer segments)
• *Slack (where your finance team celebrates hitting payment targets instead of explaining revenue shortfalls)
• *Zapier (to trigger follow-up emails when payments succeed or alert support when they fail)

The Catch

• !No public pricing means you're flying blind until after the sales call, and the final cost usually includes fees they didn't mention upfront
• !Takes 1-3 weeks for KYC approval and document verification — you can't just sign up and start processing tomorrow
• !The 1-2% approval rate improvement sounds small but requires high transaction volume to matter — if you're doing $50K/month it's nice, if you're doing $5K/month it's nothing

Bottom Line

Turns payment failures into revenue by routing transactions smarter, but you'll pay enterprise prices even if you're not quite enterprise size.