Checkout.com Integrated Platforms

What it is

Checkout.com Integrated Platforms is Checkout.com’s product for marketplaces, payment facilitators, and other platform-based businesses. The product page title is Integrated Platforms. Docs call the same stack Platforms. Platforms onboard sub-entities (sellers, service providers, or businesses that accept payments and receive payouts), split funds between the platform and those sub-entities, and pay out in the sub-entity’s local currency and preferred method.

Public docs split the integration into two tracks. Platforms for Payfac is for payment facilitators that onboard sub-entities and process payments on their behalf. That track has two account types. A Lite account is for regulated platforms licensed to participate in the flow of funds: Checkout.com runs card scheme screening, all funds settle to the platform, and the platform pays its sub-entities. A Full account is for unregulated platforms that are not licensed to participate in the flow of funds: Checkout.com runs card scheme screening plus KYC, KYB, PEP, and sanctions checks, funds split into platform and sub-entity currency accounts, and payouts go to the sub-entity.

Platforms for SaaS is labeled Beta. It is for software platforms that need to process payments on behalf of sub-entities but are not licensed or regulated to participate directly in the flow of funds. The platform must outsource due diligence and transaction management to Checkout.com. Checkout.com verifies sub-entities, routes funds into sub-accounts from each payment’s amount allocation, can pay settlements to the sub-entity’s verified bank account, and lets the platform take a commission and set different prices by sub-entity category.

Checkout.com remains the licensed acquirer on the unregulated tracks. A November 2024 PayFac explainer says Integrated Platforms serves PayFacs and marketplaces, and that onboarding, compliance, and scheduled payouts are handled by Checkout.com.

Who it’s for

Three shapes, from Checkout.com’s own pages:

• Marketplaces, where customers complete transactions with multiple retailers on one site or app. The marketplaces page names retail and gig marketplaces. Multi-seller split payments in Payfac docs are available to marketplaces only.
• Payment facilitators, where the platform connects one merchant to one customer at a time. Docs treat this as an already-licensed or already-operating facilitator using Checkout.com, not a program that turns a SaaS company into a PayFac.
• Software platforms, on the Platforms for SaaS Beta track. Current SaaS onboarding schemas are US Company (SaaS) and US Sole Trader (SaaS). For platforms operating in the United States, docs offer instant onboarding: verification with minimal upfront information and an immediate decision.

It is a fit for a vertical software company that wants checkout, commissions, and payouts inside the product without standing up its own payments license. The SaaS track is the usual unregulated software case. The Payfac Lite track is the already-licensed case.

Standout details

• Onboarding can use the Platforms API, the Dashboard, or Hosted Onboarding (Payfac track, labeled Beta). Hosted Onboarding invites a sub-entity to complete the application in the Dashboard. Enabling it requires an account manager. SaaS docs currently describe API submission, plus supporting documents and a payment instrument per holding currency. Product pages sell API or pre-built forms, contextual fields by location, real-time KYC and KYB, and instant status updates. The marketplaces page also names KYC, KYB, PEP, sanctions, VMSS, and MATCH, and PCI-DSS Level 1 Vault for payment details.
• Payments split at authorization or capture. Commissions are fixed, variable (a percentage), or compound (fixed plus percentage), including per seller. Seller categories, configured when Checkout.com onboards the platform, define pricing, capabilities, and risk profile for sub-entities. Balance transfers move funds between accounts. Checkout.com charges the platform the processing fees. This listing does not repeat a rate card.
• Payouts: the Integrated Platforms page sells real-time, 24/7 payouts to local bank accounts, on-demand or custom schedules, and instant bank-account verification. SaaS settlement docs let you schedule daily (weekdays), weekly, or monthly payouts in the sub-entity’s time zone, with an optional minimum-balance threshold. Bank payouts are on demand or scheduled. Card payouts are on demand only. SaaS bank-payout docs say a weekend or public-holiday instruction may run the following working day.
• Payment methods in current Platforms docs are listed by track. SaaS payment docs list American Express, Discover, Visa, Mastercard, ACH Direct Debit, Apple Pay, Cartes Bancaires, Google Pay, and PINless Debit. Payfac Full and Lite docs list Visa, Mastercard, Apple Pay, Cartes Bancaires, and Google Pay for the United Kingdom and the EEA. Product pages also sell local payment methods more broadly. Processing channels are per MCC.
• Checkout.com’s international-coverage and acquiring pages state over 150 processing currencies, 57 domestic processing countries, 20 settlement currencies, and direct acquiring licenses in APAC, MENAP, the UK and EEA, and the US (US via the MALPB charter and two sponsor banks). Platforms onboarding schemas on the Payfac track cover Great Britain, the EU/EEA, and the United States.
• Start is sales-led. Integrated Platforms, marketplaces, and payment-facilitators pages use Get in touch, Contact Sales, or Contact us. Hosted Onboarding and seller-category identifiers require an account manager. SaaS submit-application docs assume you have already received client_id, client_secret, and processing-channel IDs. Checkout.com publishes a general Dashboard test-account signup for the Unified API. That is not a public self-serve live start for Platforms.
• Checkout.com publishes pricing separately at checkout.com/pricing. The page is tailored (contact the team). It names fully flat-rate, interchange++, and free processing for registered charities, plus no setup fees and dedicated account management. It does not publish a Platforms buy rate or a numeric rate card. The payment-facilitators page also names a transparent IC++ structure. This listing does not repeat a rate card.
• Adjacent Checkout.com products include Issuing, Identity Verification, Payouts, and Treasury and FX. Those are Checkout.com products. They are not this page.
• Checkout.com names Zomato Portugal on the 2022 Integrated Platforms newsroom launch. The payment-facilitators page names Payshop and ConnectPay. The marketplaces page names Carasti.

Sources: Integrated Platforms, Marketplaces, Payment facilitators, Platforms docs, Platforms for Payfac, Account types, Lite account, Full account, Hosted Onboarding, Platforms for SaaS, SaaS get started, SaaS onboard, SaaS submit application, SaaS payments, SaaS settlements, SaaS bank payouts, Payfac full-account payments, Pricing, International coverage, Acquiring, Get test account, Issuing, 2022 launch, What is a PayFac, Mission, Contact us.

Honest verdict

Checkout.com Integrated Platforms is the listing to read when the job is global acquiring, local methods, and split settlements for a marketplace or a vertical platform that already expects a sales-led implementation. Checkout.com is the licensed party on the SaaS and Full tracks. Product pages start with “contact us.” Platforms for SaaS is documented as Beta, and current SaaS onboarding schemas are US-only.

What it is not: a PayFac license you own, a published buy rate you mark up at will, or Finix’s documented path to becoming the PayFac on the same stack. Payment facilitators are a named track. That is already-a-PayFac (or a Full-account unregulated platform) using Checkout.com, not a program to become one. If the job is payments revenue without a sales conversation, Stripe Connect is the simpler public path. If the job is residual economics you might own later, Finix is the PayFac-as-a-service write-up. If the job is one acquiring stack across markets, with Checkout.com on the license, start here.