Transparency is a recurring Checkout.com value that is reflected in our pricing promise, our security protocol and our legal agreements.
Please read these terms and conditions carefully before using the website
This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website Checkout.com (‘our website’), whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our website. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website.
The following terms also apply to your use of our website:
Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.
Our Cookie Policy, which sets out information about the cookies on our website.
[If you purchase services from our website, our Merchant Services Agreement will apply to the sales.]
www.checkout.com is a website operated by Checkout Ltd (“we”). We are regulated by the UK Financial Conduct Authority as an electronic money institution under number 900816 and have our registered office at Wenlock Works, Shepherdess Walk, London, N1 7BQ. We are registered with the Information Commissioner’s Office under number ZA071209.
We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.
The information contained in this website is for general information purposes only. We endeavour to keep the information published on our website up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected] stating in the subject matter of your email ‘Website Terms of Use – Password issues’.
Our overriding objective is to handle all data fairly and securely. Any information you give us about yourself will be stored on our systems and may be disclosed to, processed and used by us, and the other companies that assist us in providing our services in accordance with our Privacy Policy.
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print or download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.
You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.
You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
use of, or inability to use, our website ; or
use of or reliance on any content displayed on our website.
If you are a business user, please note that in particular, we will not be liable for:
loss of profits, sales, business, or revenue;
business interruption;
loss of anticipated savings;
loss of business opportunity, goodwill or reputation; or
any indirect or consequential loss or damage.
If you are a consumer user, please note that we only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked to our website. Such links should not be interpreted as endorsements by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any goods by us to you, which will be set out in our Merchant Service Agreement.
You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software, as we do not guarantee that our website will be secure or free from bugs or viruses at all times.
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our website, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our website in any website that is not owned by you.
Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.
Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources.
To contact us in relation to these terms of use, please email [email protected] stating in the subject matter of your email ‘Question re Website Terms of Use’.
Thank you for visiting our website.
It is our policy and obligation to comply with the applicable regulatory requirements when providing services to our customers. The provision of the payment services in the UK is regulated by the EU Payment Services Directive which continues to form part of domestic law in the UK post Brexit through the Payment Services Regulation 2017 and UK versions of other European secondary legislation. Checkout Ltd, as an electronic money institution (EMI), is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 for the provision of electronic money services activities and payment services (Register No. 900816).
Key features of UK payments and e-money regulation include:
You may not use the Checkout.com service for activities that:
Checkout Ltd requires pre-approval to accept payments for certain services as detailed below:
We encourage you to report violations of this Acceptable Use Policy to Checkout.com immediately. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email our Compliance Department at: [email protected]
It is our policy to take appropriate action where necessary to remove from our services or to disallow the use of our services in connection with material that is claimed to be infringing. If you are an intellectual property rights owner and you believe a website or a webpage using our services sells, offers for sale, makes available goods and/or services, or otherwise includes content or materials that infringe your intellectual property rights, then please contact us at [email protected] stating in the subject matter of your email ‘Infringement Report’.
It is our policy and obligation to comply with the anti-money laundering legal and regulatory requirements, and we take these very seriously. As a registered electronic money institution operating in UK, Checkout Ltd is subject to The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (“Money Laundering Regulations”); The Terrorism Act 2000; The Proceeds of Crime ("POCA") Act 2002 and The Counter-Terrorism Act 2008.
As it is supervised by the FCA, Checkout Ltd is required to meet, among others, the following legal requirements:
Checkout Ltd’s AML legal obligations include among others:
Our policy
Checkout.com is committed to providing the highest level of care to all our customers. If you feel that our service has not met your expectations, then please tell us. Customer complaints are important to our organisation. They offer specific insights into how we might improve our services, processes and procedures.
What to do if you have a complaint?
Please contact us at [email protected], detailing the nature of your complaint and providing all relevant information and your contact details. To ensure that your complaint is resolved as soon as possible, please outline any steps you would like us to take in addressing the issue.
Our complaints procedure
• Once a complaint has been received, we will acknowledge it and aim to resolve it as quickly as possible. The length of time will depend on the nature of the issues involved. Should a delay occur, we will contact you explaining the reason of the delay and outline the next steps.
• If you have received an offer of remedial action or redress from us in response to a complaint you have submitted, and if you consider it to be acceptable, please let us know so that we can comply promptly with it.
If you are not satisfied with our response
If you are not satisfied with our final response, you might be entitled to refer it to the Financial Ombudsman Service (FOS), but you must do this within six month of our final response. Please refer to the FOS’ website for details of your rights. In summary, only ‘eligible complainants’ may refer their complaints to the FOS. These include microenterprises (companies with a turnover of less than €2 million and less than 10 employees) and charities with an annual income of less than £1 million.
Financial Ombudsman Service
The FOS is an independent organisation whose function is to help settle individual disputes between consumers and businesses providing financial services.
Contact details:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
[email protected]
0800 0 234 567
Checkout.com is a cloud-based payments platform which enables businesses and their communities to thrive in the digital economy. A key operating principle for our people at Checkout.com is to create a positive legacy, and our tax strategy is adopted with this in mind.
Approach to tax risk management:
Checkout.com strives to make a positive contribution to the communities we serve, including through our responsible approach to tax risk management. We commit to complying with applicable tax laws and regulations in the jurisdictions which we operate. This includes calculating, reporting and paying the appropriate amount of tax in a timely manner.
Ultimate responsibility for Checkout.com’s tax policy sits with the Board, who delegate executive level responsibility to the CFO. Day-to-day responsibility is delegated to the Group VP Tax, who sits on a series of Committees which provide a forum to share tax updates to the CFO and Board.
The Group VP Tax is supported by an experienced tax team. They are closely integrated with the business so that tax risk is proactively considered at the forefront of business decisions. If there is uncertainty or ambiguity in relation to a particular tax risk, professional advisers will be consulted.
Checkout.com operates a tax risk framework to ensure we have the appropriate people, processes, controls and systems in place to proactively manage tax risk.
Attitude to tax planning and level of risk:
Checkout.com has a low appetite for tax risk. We take responsible tax decisions that are compliant, and only engage in genuine commercial activities. We do not pursue tax planning initiatives that are considered aggressive or out of line with the principles set out in this tax strategy.
Relationship with HMRC and other stakeholders:
Checkout commits to having an open, collaborative and transparent relationship with His Majesty’s Revenue and Customers (‘HMRC’) and other stakeholders, including our auditors and financial regulators. Where appropriate, Checkout may seek to notify HMRC on our interpretation of the law before a tax decision is made. Checkout will also respond to requests from HMRC in a transparent and timely manner where additional clarity in relation to our tax compliance is required.
Scope of this tax strategy:
This tax strategy applies to our UK companies, Checkout Ltd and Checkout Technology Ltd, in relation to the year ended 31 December 2022. It has been published in accordance with the requirements set out at paragraph 19(2) of Schedule 19 of the Finance Act 2016.
When you use any of the below services, you expressly agree to the terms and conditions applicable to these services and any updates or modifications that Checkout.com makes to the terms applicable to these services from time to time. These terms applicable to the below services, supplement your agreement with Checkout.com, which generally governs the terms applying to the use of Checkout.com services. To the extent that there is a conflict between the agreement in place between Checkout.com and you and these terms applicable to any additional services as set out below, the relevant additional services terms below will prevail.
The following terms apply to the authentication service.
1.1 The authentication service
1.1.1 The authentication service (as summarised on our website: https://www.checkout.com/products/authentication-3ds), enables the authentication of online payments via various methods such as 3-D Secure, and allows you to separate your customer’s authentication from the payment flow and control it via your chosen channel, including your websites and mobile applications.
1.1.2 We shall offer you the authentication service for card transactions that are processed through us or by a third party payment service provider, provided that the authentication service is supported by the payment method used, the respective issuer and implemented by our current software.
1.1.3 We shall not be liable for any delays in the authentication response time, declines or malfunctioning of the authentication service where such issues are caused by third parties including the issuers and their authentication service providers; or where you use our authentication service for card transactions that are processed by third party payment service providers, where such delays, declines or malfunctioning is not caused as a direct result of our negligence or wilful default.
The following terms apply if you use our tokenisation service.
2.1 The tokenisation service
2.1.1 The tokenisation service (as summarised on our website: https://www.checkout.com/products/network-tokens) enables you to send to us payment information in the form of tokenised information where we take sensitive information, such as a card number or primary account number and substitute it with a non-sensitive string of characters to create a “Payment Token”.
2.1.2 In using the tokenisation service, you warrant to us that:
(a) you have all necessary approvals to transfer data to us or your third party acquirer; and
(b) your use of the service will not cause you to be in breach of any of your existing contracts.
2.1.3 You agree that we are not responsible for the accuracy of the data we receive from you or your third party acquirer (if any). You also agree that we cannot guarantee that transactions processed using the tokenisation service will be authorised.
2.1.4 You agree to submit transactions to us for processing in accordance with our instructions for the tokenisation service. For example, we may send you technical documentation on the tokenisation service and you agree to comply with such documentation.
The following terms apply if you use our fraud and risk management service.
3.1 The fraud and risk management service
3.1.1 The fraud and risk management service (as summarised on our website: https://www.checkout.com/products/fraud-detection) carries out checks on the payment information from your transactions to assess whether the payment may be fraudulent, but this does not guarantee the prevention of fraudulent payments.
3.1.2 You must only use the fraud and risk management service in accordance with our instructions.
3.2 Sending transaction information to us
3.2.1 In order to use our fraud and risk management service, for transactions that are not processed by us, you must send us the payment information we require. This payment information must be complete and accurate. For transactions that are processed by us, we will review the relevant information you send us and we may need to follow up, from time to time, if we need additional data.
3.3 The risk assessment
3.3.1 The fraud and risk management service is a rule-based solution and if you want, you can set the settings and rules that you want to be applied to your payment information. You can do this via the Merchant Portal.
3.3.2 We provide a machine learning tool that scores transactions based on their likelihood of being fraudulent. You can incorporate this machine learning tool into your settings and rules. We will update the machine learning tool from time to time. As this tool is based on machine learning, we may be unable to provide the underlying reasons for why a particular score is given to a transaction.
3.3.3 The incorporation of this machine learning tool does not guarantee the prevention of fraudulent payments. If we think that the settings and rules that you chose are likely to result in high levels of unauthorised payments and Chargebacks, we can make changes to them. We will tell you if we do this. However, we are not obliged to check the settings and rules that you choose.
3.3.4 After we carry out the checks on the payment information, the final responsibility for the acceptance or cancellation of a transaction, based on your settings and rules, will remain with you. You will not need to manually review each transaction. You can set the settings and rules such that only certain transactions are referred to you for manual confirmation.
3.3.5 We may change the settings and rules used in our fraud and risk management service from time to time.
The following terms apply if you use the account updater service.
4.1 The account updater service
4.1.1 The account updater service (as summarised on our website: https://www.checkout.com/products/real-time-account-updater) checks the accuracy of information of your buyers (in particular, the card number or the expiry date of the payment method).
4.1.2 Depending on your set-up with us, you can send us your buyer information that you hold or we can regularly check your buyer information that we hold on your behalf.
4.1.3 We can ask the Payment Scheme to check your buyer information that they hold and confirm whether there has been any change to the information of your buyers. If we receive confirmation on changes to your buyer information, we will update such buyer information accordingly.
4.1.4 We are not responsible for the accuracy of the information received from you or the Payment Scheme.
The following terms apply if you use our intelligent acceptance service.
5.1 The intelligent acceptance service
5.1.1 The intelligent acceptance service (as summarised on our website: https://www.checkout.com/products/intelligent-acceptance is a suite of capabilities for managing and optimising various aspects of the payment flow by adjusting certain settings for each transaction. By using intelligent acceptance, you get the opportunity to inform us of your outcome preferences such as conversion rates, scheme costs, and scheme compliance in order to benefit from tailored payment flows.
5.1.2 The intelligent acceptance service does not guarantee a definite outcome. For example, it does not guarantee that every transaction will be authorised; nor does it guarantee a specific success rate. We are not liable for any possibility of estimated increase in scheme fees or loss of success rate as a result of the service.
5.1.3 You must only use the intelligent acceptance service in accordance with our instructions.
5.1.4 We may change the settings of our intelligent acceptance service to manage your traffic as we deem fit, based on your given preferred criteria for optimisation.
5.1.5 The usage of the intelligent acceptance service may dictate strategies that make use of other services. In order to use the intelligent acceptance service, we may automatically opt you into other chargeable services provided by us such as tokenisation service, authentication service, gateway service and acquiring service, and you will be deemed to have accepted the terms of such additional services. Depending on your preferences, certain payment flow strategies may result in additional Checkout fees such as but not limited to fees associated with retries.
5.2 Working with us
5.2.1 In order to use the intelligent acceptance service, you must send us the information we require and cooperate with us in the analysis of the information and the implementation of this analysis. This information must be complete and accurate.
The following terms apply if you use the Vault Service
6.1 The Vault Service
6.1.1 The “Vault Service” as summarised on our website https://www.checkout.com/products/vault enables you to store sensitive payment and customer data (“Vault Data”) in our PCI DSS compliant vault (“Vault”) for retrieval and use.
6.1.2 The Vault Service allows you to:
(a) reuse Vault Data for future payments, so your customers do not need to re-enter certain payment information for each transaction;
(b) submit Vault Data via an API for tokenization within the Vault; and
(c) securely transmit tokenized Vault Data which is stored in the Vault to a designated endpoint as determined by you (“Forward API Functionality”).
6.1.3 You are fully responsible for ensuring the accuracy of the Vault Data you store with us and that such data is compliant with any Applicable Law requirements. You shall indemnify us in full for any Losses incurred by us where Vault Data collected and used by you fails to comply with Applicable Law.
6.1.4 Subject to section 6.1.7, you may use the Forward API functionality to securely transmit tokenized Vault Data to third parties (including other payment service processors, fraud engines or standalone 3DS providers).
6.1.5 When using the Forward API functionality, it is your responsibility to ensure that the designated endpoint of any Vault Data that you instruct us to transfer to complies with Applicable Laws including any PCI DSS requirements.
6.1.6 You agree that we shall not be liable for any Losses arising out of any transfer of Vault Data that you instruct us to transfer.
6.1.7 We reserve the right to refuse any transfer under this section, where we reasonably believe that the transfer or designated endpoint of such transfer is not compliant with Applicable Laws or our internal policies, systems or controls.
6.2 Deletion of Vault Data
6.2.1 Unless otherwise required by Applicable Law or Payment Scheme Rules, we shall delete any and all Vault Data stored in the Vault upon your request and automatically upon termination of the Merchant Terms or these Service Specific Terms.
Please see our Verification Policy here
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