Payment orchestration for platforms and merchants

Payments, tax and fraud. Not your problem.

One structure connecting many merchants to many gateways. A white-label checkout, local methods from Pix to Bizum, identity checks and merchant-of-record settlement — behind a single integration.

Get started Talk to sales

White-label checkout
Cards & local methods
Native crypto
Cart recovery
Anti-fraud

Wherever they buy

StoreLinkIn-appWhatsAppInvoice

Your brandpay.yourbrand.com

Pro Plan$29.00

Payment approved

Risk 12/100 · low

$29.00

Any market, any currency: Buyers see their own price and pay the way their country expects — Pix in Brazil, MB WAY in Portugal, Bizum in Spain.
Crypto on the same checkout: Stablecoins and major assets, settled into the currency you keep books in, at the rate confirmed on-chain.
Fewer carts abandoned: A checkout built to be finished, and automatic follow-up on the ones that are not.
One source of truth: Every market, method, channel and customer reconciled in a single dashboard.

The platform

Everything between the click and the money in your account.

Most teams assemble this from four vendors and a spreadsheet: a gateway, a fraud tool, a billing service and someone reconciling it all by hand. CheckoutWeb runs it as one system, with one place to look when something breaks.

One structure

Many merchants, many gateways, a single integration and a single ledger — with failover when a provider degrades.

Orchestration

White-label checkout

Your brand, your domain, your rules. Hosted or embedded, and mobile-first either way.

Checkout

Merchant of Record

We are the legal seller, so tax registration, invoicing and compliance in each market are ours, not yours.

Worldwide

Marketplaces

Sub-merchant onboarding with the same identity checks, split payments and per-seller settlement terms.

Platforms

Subscriptions

Plans, seats, proration, invoices, upgrades and usage-based billing on the cycle you set.

Billing

Revenue recovery

Abandoned checkouts, failed renewals and declined authorisations, each chased on its own schedule.

Recovery

Identity and risk

Risk scoring, facial verification, liveness and document checks, recorded next to the payment.

Protection

Crypto payments

Stablecoins and major assets, swapped to the asset you hold at the confirmed rate.

Native

Built for

One structure. Many merchants, many gateways.

CheckoutWeb sits between the businesses you serve and the providers that move the money. Connect once and give every merchant on your platform the same rails, rules and reporting.

SaaS

Plans, seats, trials, upgrades and metered usage, billed on a schedule you do not maintain.

Marketplaces

Onboard sub-merchants, split a payment across sellers and settle each one on its own terms.

E-commerce

A checkout tuned for the market the buyer is in, with recovery on everything that slips.

Platforms

Embed payments in your own product and keep the relationship, the branding and the data.

White-label checkout

A checkout that looks like you, not like us.

Your customers should never wonder who is taking their money. The checkout on the right is live — switch brands and watch the whole page follow.

Your logo, your colours, your corner radius and your domain.
Hosted page or embedded inside the flow you already built.
Cards, local methods and crypto on one screen, in the buyer's currency.
Built mobile-first, because that is where most of your customers pay.

Payment methods

PixCryptoPlus local methods, market by market.

Aurorapay.aurora.app

Pro Plan

$29.00

BRL

Secure payment

Try a brand

Global by default

One checkout. Every market you sell into.

Going international should be a settings change, not a second provider and a second set of tax registrations. We are the merchant of record, so the obligations a new market creates land with us.

BrazilBRL
R$ 149,90
Pix · Cards
United StatesUSD
$29.00
Cards · Crypto
GermanyEUR
€24,90
Cards · Crypto
JapanJPY
¥4,200
Cards

The same checkout, priced and paid the way each market expects.

Priced in their currency: Buyers see a number that makes sense to them, not a conversion they have to do themselves.
Paid the local way: Pix in Brazil, cards worldwide, crypto anywhere — on the same checkout.
Settled in yours: Whatever your customers pay with, the money lands in the currency you keep books in.

See how merchant of record works

End to end

Follow one payment all the way through.

Five things happen between your customer pressing pay and the money being yours. Every one of them is ours.

The customer pays

Any channel, any market, any method — on a checkout wearing your brand.

CheckoutWebPix · Cards · Crypto

Pro Plan

€24,90

Risk decides in milliseconds

Device, location and behaviour are scored before the payment is ever sent for authorisation.

CheckoutWebApproved · 12/100

Risk score12/100

Device matches previous orders
Card verified with the issuer
No rule triggered

We become the seller

CheckoutWeb is the merchant of record, so the tax line and the compliant invoice are our obligation.

CheckoutWebVAT calculated and remitted

Pro Plan

Subtotal: €20,92
VAT · Germany (19%): €3,98

Sold by CheckoutWeb€24,90

Value converts

The currency they paid with becomes the asset you chose to hold, priced at confirmation.

CheckoutWeb€24,90 to 29,00 USDT

Paid

€24,90

Converted

29,00 USDT

You get paid

One settlement, in your currency or your wallet, with one line in your reporting.

CheckoutWebSettled

29,00 USDT

payout · your wallet

Coverage

Receive anywhere. Pay out anywhere.

A buyer will abandon a checkout that only offers a method they do not use. Money should be able to reach you the way each market actually pays, and leave in whatever form you want to hold.

Ways money comes in

BrazilPix · Cards · Boleto

PortugalMB WAY · Multibanco · Cards

SpainBizum · Cards

NetherlandsiDEAL · Cards

GermanyCards · SEPA Direct Debit

PolandBLIK · Cards

United KingdomCards · Open banking

MexicoCards · SPEI · Cash vouchers

ColombiaPSE · Cards

United StatesCards · ACH

WorldwideCrypto · Stablecoins

Ways money goes out

Local bank accountYour currency

StablecoinsUSDT · USDC

Major assetsBTC · ETH

Multi-currency balanceHold and convert later

Methods are shown to describe how each market pays. What is enabled on your account depends on your markets and your contract — talk to sales for the list that is live today.

Pay with cryptoLive rate

0.0412 ETH≈ $29.00

0x7a3f9b2e…10c8d59c21Copy

0/3 confirmations

Crypto, natively

Take crypto without becoming a crypto company.

Most gateways treat crypto as something you bolt on later. Here it is a payment method — one more button on the checkout you already run.

Native, not bolted on: Crypto sits on the same checkout, the same dashboard and the same reconciliation as every other method.
You never hold the volatility: Take the payment on-chain and settle it in your own currency at the confirmed rate.
Stablecoins and major assets: The tokens your customers actually pay with, without asking them to leave the checkout.

Native swap

Pay in euros. Get paid in USDT.

The currency your customer pays with and the asset you want to hold are two different decisions. Set them independently and we handle the conversion at confirmation.

Both directions: Fiat in, crypto out. Crypto in, fiat out. Or the same on both sides.
Rate locked on confirmation: The conversion is priced when the payment settles, not when you read the dashboard.
No exchange in the middle: You never open a trading account, move funds yourself or reconcile a third balance.

SwapSettled automatically

Customer pays

€24.90

Rate locked when the payment confirms

You receive

29.00 USDT

Customer pays

You receive

Crypto settlement

Crypto in. Your currency out. Anywhere.

Your customer pays on-chain from wherever they are. You get paid in the currency your bank speaks — no exchange, no wallet, no volatility spreadsheet.

Converted at confirmation: The rate locks when the payment confirms on-chain, so what you see is what you keep.
Paid out where you bank: Settlement lands in the currency your accountant already works in, in your own country.
No wallet to run: No exchange account, no treasury policy, no one watching a chart on a Sunday.

See how crypto works

SettlementAutomatic

Customer paid

0.0412 ETH

on-chain

Converted the moment it confirms

Your balance

$29.00

USD

Paid out on your schedule

Bank account · United States

Settle in

Native and connected

Process with us. Or route through anyone.

We settle natively where we are strongest, and orchestrate the rest. Keep the acquirer relationships you already have, and put one integration in front of all of them.

Native

Native processing

Pix, cards and crypto settled by CheckoutWeb, with us as merchant of record.

PixCardsCrypto

CheckoutWeb

Routed

Or routed through your own

Bring your existing providers and keep their rates, contracts and reserves.

StripePayPalPagSeguroNuveiAdyenMercado PagoCheckout.comWorldpay

One integration in front of every provider
Failover when an acquirer degrades
One reconciliation across all of them

Provider names are shown for interoperability. Availability differs per account.

Omnichannel

Every channel you sell on. One place it lands.

Adding a sales channel should not mean adding a payment provider, a second set of fraud rules and another report nobody trusts. The channel changes. Everything behind it does not.

Online store
Payment links
In-app checkout
Social & WhatsApp
Invoices

CheckoutWeb checkoutevery channel

The same checkout
The same fraud rules
The same reconciliation

One customer, not five records

The person who bought on your store last month and paid a link today is the same customer, with one history, one saved method and one lifetime value.

The same rules everywhere

Fraud scoring, retries and recovery run identically whether the sale came from a storefront, an in-app purchase or a WhatsApp thread.

A channel is a setting

Turning on payment links or social selling is a switch in the dashboard, not a project with its own integration and its own reconciliation.

One number at the end of the month

Every channel settles into the same balance and the same report, so finance stops stitching exports together to find out what you sold.

Revenue recovery

Three ways revenue leaks. We close all three.

Most lost revenue is not lost demand. It is a checkout left open on a phone, a renewal that failed while nobody was looking, or a good customer a bank declined for the wrong reason. All three are recoverable, and none of them recover themselves.

Abandoned checkouts
Follow-up by email and messaging starts on its own when a checkout goes cold, and returns the customer to the same link with the cart intact — no export, no manual list, no new cart to rebuild.
Failed renewals
Declined cards are retried on a schedule tuned per issuer and market, using refreshed credentials rather than the number that just failed, with dunning that stops the moment the payment clears.
Declined authorisations
A soft decline gets a second chance instead of becoming a lost sale: retried across providers, with network tokens and updated card credentials, and routed to the acquirer most likely to approve it.

Recovery sequenceRunning

Checkout abandoned
Pro Plan · $29.00
14:02
Reminder sent
Email · your order is still waiting
14:12
Follow-up sent
Messaging · one tap back to checkout
18:00
Sale recovered
$29.00 paid with a card
18:04

Subscriptions

Recurring revenue that keeps recurring.

Churn from a declined card is still churn, and most of it is involuntary — an expired card, a bank that said no for a reason nobody read. We run the invoices, the retries and the reminders so your MRR reflects your product, not your billing stack.

Plans, seats, upgrades, downgrades and cancellations without a release, with proration handled on the same invoice.
Failed cards retried on a schedule tuned per issuer and market, using updated credentials and network tokens rather than the number that just failed.
Usage-based billing for what you meter, invoiced on the same cycle as the plan it belongs to.
Dunning that reaches the customer where they read, and stops the moment the payment goes through.

Pro Plan

$29.00 / month

Active

Customer: john@example.com
Next payment: Sep 20
Method: Card ending 4242

subscription.createdAug 20
invoice.paidAug 20
invoice.upcomingSep 20

Risk analysisLive

$1,299.00Card ···· 4242

Risk score12/100 · Low risk

Device and location match previous orders
Card verified with the issuer
No custom rule triggered

Approvedsettled

Anti-fraud

Block the fraud. Keep the customer.

A blunt filter costs more than it saves. Every transaction is scored, the obvious ones are decided instantly, and the grey area goes to a human instead of a rejection.

Scored before it is approved: Device, location and behaviour signals are weighed on every transaction.
Rules you write: Set the limits that match your business instead of accepting someone else's defaults.
A queue, not a wall: Borderline orders go to review rather than straight to a declined customer.
Disputes handled in one place: Evidence, deadlines and outcomes tracked next to the payment itself.

See fraud protection

Identity and risk

Know who is on the other side.

Fraud rules only go so far when you cannot tell whether a person is real. The verification stack runs inside the same platform as the payment.

Risk scoring

Every transaction weighed on device, location, velocity and history before authorisation.

Facial verification

Match the person paying against the document they present.

Liveness

Confirm a real person is present, not a photograph, a replay or a generated face.

Document checks

Validate identity documents and the data on them against the account being opened.

Sub-merchant onboarding

Run the same checks on the sellers joining your platform, not only on their buyers.

One decision trail

Scores, checks and outcomes recorded next to the payment they belong to.

Verification products vary by market and by regulatory regime. Talk to sales for what applies to yours.

Integrations

Connect what you already run.

Your store, your CRM, your finance stack and your reports stay where they are. CheckoutWeb plugs into them and keeps the payment data in sync.

E-commerce platforms

Take the checkout your store already sends people to.

Subscription tools

Keep plans and entitlements in sync with billing.

CRM

Customers, payments and status where your team works.

Marketing automation

Trigger campaigns from real payment events.

ERP and finance

Reconciliation that matches what accounting expects.

BI and spreadsheets

Export or stream the numbers into your own reports.

Everything else

A REST API and webhooks for whatever is not on the list.

If your team can call an endpoint, CheckoutWeb fits your stack without waiting on a roadmap.

See the API

Dashboard

Your revenue, without the spreadsheet.

Approval rate, recovered carts, active subscriptions and every payment across every channel — on one screen your whole team can read.

app.checkoutweb.com/overview

Overview

Sample data

Revenue · 30d

$248,400.20

Approval rate

94.2%

Recovered

$18,240.00

Subscriptions

1,284

Recent payments

Sofia AlmeidapixR$ 149,90Paid
Amir Haddadcrypto250.00 USDCPaid
Lena Fischercard€79,90Recovered
James Cartercard$1,299.00In review

Figures shown are sample data for this preview.

Reports

Ask a question. Get the report, with the rows behind it.

Every payment event you take is already structured data. Connect the sources that sit outside it — your store, your CRM, your warehouse — and ask in your own words. The report is written for you, and every figure in it links back to the rows it came from.

Asked in your own words

“Why did approval drop in Spain last week?” returns a written answer with the cohort, the issuer and the decline codes behind it — not a blank chart builder waiting for you to know the schema.

Payment events, already modelled

Authorisations, captures, refunds, disputes, retries, renewals and on-chain confirmations arrive structured, so the numbers are right without anyone maintaining a pipeline.

Your other sources, joined in

Connect a store, a CRM, a warehouse or a spreadsheet and the report reads across all of it — ad spend next to approval rate, plan next to churn, cohort next to lifetime value.

Auditable, not approximate

Every figure traces to the transactions that produced it. Open the number and you get the rows, not a summary you have to trust.

Reports are generated from your own data. Accuracy depends on the sources you connect.

Ask anything about your payments

Why did approval drop in Spain last week?

Reading 41,208 events

For your engineers

And when your team wants the API, it is right here.

Commercial teams get the dashboard. Engineering gets a REST API, SDKs and webhooks — so the platform fits your product instead of the other way round.

bun add @checkoutweb/sdk

create-checkout.ts

import { CheckoutWeb } from "@checkoutweb/sdk";

const checkoutweb = new CheckoutWeb({
  apiKey: process.env.CHECKOUTWEB_API_KEY,
});

const checkout = await checkoutweb.checkouts.create({
  amount: 14990,
  currency: "BRL",
  methods: ["pix", "card"],
});

return checkout.url;

Response

200 OK

{
  "id": "chk_8Kd2Pq4Vn1",
  "status": "pending",
  "amount": 14990,
  "currency": "BRL",
  "methods": ["pix", "card"],
  "checkout_url": "https://pay.checkoutweb.com/8Kd2Pq"
}

Illustrative example of the API shape. The published SDKs and full reference ship with the docs.

REST API
Node.js and PHP SDKs
Signed webhooks
Idempotency keys
Sandbox keys
API logs

Pricing

Simple pricing. No surprises.

Rates published in full, with the whole platform included. Nothing to negotiate before you can see how it works.

Standard: 2.9% + $0.30; Cards, domestic
Scale: 2.5% + $0.25; Cards, domestic
Enterprise: Interchange++; Cards, domestic

See pricing Talk to sales

FAQ

The questions that come up first.

Can the checkout carry my own brand and domain?

Yes. Logo, colours and domain are yours, on the hosted page or embedded in your own flow. Nothing on the payment screen points back to us.

Are you a gateway, or the merchant of record?

Both, and you choose per account. Processing natively with us makes CheckoutWeb the legal seller, so the tax registration, the invoice and the compliance obligations are ours. Routing through your own acquirer keeps you as the seller and uses us as the orchestration layer in front of it.

Which countries and currencies can I sell in?

The checkout prices in the buyer's currency and offers the methods their market expects, while settlement lands in the currency you keep books in. What is enabled for your account depends on your markets and contract, so talk to sales for the current list.

Can I keep the payment providers I already use?

Yes. Bring your existing acquirers and keep their rates, contracts and reserves. You get one integration and one reconciliation in front of all of them, plus failover when one degrades.

What is my PCI scope?

Card data is entered into fields served by CheckoutWeb, so it does not touch your servers. That keeps you on the lighter self-assessment path rather than the full audit that handling raw card numbers requires.

How does crypto work if I do not want to hold it?

You do not have to. The customer pays on-chain, the payment confirms, and it settles to you in your own currency at the confirmed rate — so the volatility never reaches your books. The reverse also works: take euros and hold stablecoins.

How does cart recovery work?

When a checkout is abandoned, CheckoutWeb starts a follow-up sequence by email and messaging. The customer returns to the original link with the cart intact and pays there — no new cart, nothing to retype.

How do you stop fraud without blocking real customers?

Every transaction is scored on device, location and behaviour signals. Clear cases are decided instantly, and the borderline ones go to a review queue instead of a flat decline. You write the rules rather than inheriting someone else's defaults.

Who handles chargebacks and disputes?

They are raised, tracked and answered in the dashboard, next to the payment they belong to, with the evidence and the deadline attached. Where we are the merchant of record, the dispute is filed against us.

What does European SCA mean for my conversion?

Strong customer authentication is applied where the rules require it and exemptions are requested where they apply, so a payment is not challenged more than it has to be.

How long does an integration take?

A hosted checkout is a redirect and a webhook, which is an afternoon. Embedding it in your own flow takes longer. Sandbox keys, API logs and test methods are available from the first day, before any commercial conversation.

Do I have to replace the tools I already use?

No. CheckoutWeb connects to your store, CRM, finance and reporting stack, and anything not covered by a connector can be wired up through the API and webhooks.

Can I get my data out?

Yes. Customers, payments, subscriptions and payouts are exportable, and the same records stream over the API and webhooks, so your history is not stranded here.

Keep more of what you already sell.

Launch the checkout, connect your channels, and let the platform chase the payments that would otherwise slip away.

Get started Talk to sales

Cart abandoned

Followed up

Sale recovered