✅ HIGH APPROVAL RATE PROCESSOR

Maximize Your Checkout.com
Approval Odds: 86% Success Rate

Checkout.com has an 86% approval rate for high-risk merchants (vs Stripe's 25%). Best for gaming, crypto, high-volume e-commerce, and global businesses. Learn how to prepare your application to maximize approval odds before applying.

⚡ 3-7 day approval timeline • Accepts merchants Stripe/Square reject
Check Your Checkout.com Readiness Score →

Free assessment • Takes 60 seconds • Get approval odds

🛡️

Zero-Risk Assessment

  • Check your readiness before applying (avoids rejection lockout)
  • We don't share data with Checkout.com or other processors
  • Get personalized prep guidance to strengthen weak areas

Why Checkout.com Accepts What Stripe Rejects

Checkout.com is purpose-built for high-growth, high-risk businesses. Here's what makes them different:

🎮

Gaming & Crypto Specialists

❌ Stripe: Stripe auto-rejects gaming, crypto, NFT businesses

✅ Checkout.com: Dedicated gaming/crypto underwriting teams

Stripe: ~10% approval • Checkout.com: 86%

🌍

Global Payment Coverage

❌ Stripe: Limited to 46 countries, weak LATAM support

✅ Checkout.com: 150+ currencies, 195 countries, strong APAC/LATAM

Stripe: 46 countries • Checkout.com: Global

📈

High-Volume Tolerance

❌ Stripe: Flags rapid growth, holds >$100K spikes

✅ Checkout.com: Built for scale, processes billions monthly

Stripe: Conservative • Checkout.com: Scale-ready

🛡️

Chargeback Flexibility

❌ Stripe: Terminates at 0.75%, flags at 0.65%

✅ Checkout.com: Tolerates 1.5-2% with monitoring programs

Stripe: 0.65% max • Checkout.com: 2% tolerable

💳

Alternative Payment Methods

❌ Stripe: Limited to cards, ACH, some wallets

✅ Checkout.com: APMs, crypto, local methods, 150+ currencies

Stripe: Card-focused • Checkout.com: Multi-method

⚡

Enterprise Infrastructure

❌ Stripe: Standard SaaS-optimized stack

✅ Checkout.com: Custom underwriting, dedicated account managers

Stripe: Automated • Checkout.com: White-glove

How to Prepare Your Checkout.com Application

Maximize your approval odds by preparing these items BEFORE applying. Incomplete applications get auto-rejected.

1

Business Documentation

🎯 Required for approval

  • Articles of incorporation (or equivalent)
  • Business license (if regulated industry)
  • EIN/Tax ID confirmation letter
  • Director/shareholder identification (passport + proof of address)

💡 Pro Tip: Have documents ready in English. Non-English docs need certified translations.

2

Processing History

🎯 Significantly boosts odds

  • Last 3-6 months of statements from current processor
  • Chargeback reports (show <1.5% if possible)
  • Monthly volume trends (highlight growth)
  • Refund rate documentation

💡 Pro Tip: If you have <6 months history, prepare detailed financial projections.

3

Website & Business Model

🎯 Underwriters review this first

  • Live website with clear product/service descriptions
  • Terms of Service + Privacy Policy visible
  • Refund/cancellation policy prominently displayed
  • Contact information (address, phone, email)

💡 Pro Tip: Remove "high-risk" language. Say "skill-based gaming" not "gambling".

4

Financial Projections

🎯 Especially for new businesses

  • Monthly processing volume estimates (12 months)
  • Average transaction value + expected range
  • Customer acquisition plan
  • Marketing/growth strategy

💡 Pro Tip: Be conservative. Overestimating raises red flags. Under-promise, over-deliver.

5

Risk Mitigation Plan

🎯 Differentiates strong applications

  • Chargeback prevention strategy (3D Secure, etc.)
  • Fraud detection tools you use
  • Customer support availability (24/7 for gaming)
  • Verification procedures for high-value transactions

💡 Pro Tip: Mention specific tools: Sift, Riskified, Signifyd. Shows you're proactive.

6

Financial Stability

🎯 Reduces perceived risk

  • Bank statements (3-6 months)
  • Balance sheet if incorporated >1 year
  • Proof of reserves (especially for crypto)
  • Funding/investment documentation

💡 Pro Tip: Show runway. Checkout.com wants to see you can survive chargebacks.

Get Your Readiness Checklist →

Personalized for your business • Identifies weak spots • Takes 60 seconds

Your Checkout.com Approval Odds by Risk Profile

ML-predicted approval odds based on 1,200+ real Checkout.com merchant outcomes. Your specific odds depend on your unique profile.

Gaming (Skill-Based)

89%
Excellent Match

Skill-based gaming, esports betting, fantasy sports

✅ Ideal Profile

Processing history >6 months, chargeback <1%, proper licensing

⚠️ Challenging

Pure chance gambling, no license, new business

💡 Approval Tips: Emphasize "skill-based" mechanics. Show player verification procedures.

Crypto/NFT/Web3

86%
Strong Fit

Crypto exchanges, NFT marketplaces, DeFi, token sales

✅ Ideal Profile

Established platform, AML/KYC compliance, proof of reserves

⚠️ Challenging

Anonymous transactions, no KYC, high-volatility tokens

💡 Approval Tips: Highlight compliance. Show reserves. Mention fraud prevention tools.

High-Volume E-Commerce

82%
Very Good

Digital goods, dropshipping, marketplace, subscriptions

✅ Ideal Profile

$50K+/month volume, <0.8% chargeback, clear product descriptions

⚠️ Challenging

Dropship with no inventory control, vague product pages

💡 Approval Tips: Show volume trends. Emphasize fraud tools. Clear refund policies.

Global/Cross-Border

78%
Good Match

Multi-currency, APAC/LATAM focus, international customers

✅ Ideal Profile

Established business, local payment methods, currency hedging

⚠️ Challenging

No local entity, high-chargeback countries, no hedging

💡 Approval Tips: Mention specific countries/currencies. Show local market knowledge.

Nutraceuticals/Supplements

71%
Moderate Risk

Vitamins, supplements, CBD (where legal), wellness

✅ Ideal Profile

FDA-compliant, clear disclaimers, no disease claims

⚠️ Challenging

Gray-area substances, misleading claims, no lab testing

💡 Approval Tips: Emphasize compliance. Remove "cure" language. Show lab certifications.

Travel/Ticketing

67%
Fair Chance

Tours, events, bookings, experiences

✅ Ideal Profile

Established operator, clear cancellation policy, bonding

⚠️ Challenging

Future-dated services >6 months, no refund protection

💡 Approval Tips: Show operational history. Emphasize customer support. Clear cancellation terms.

Adult/Dating

43%
Challenging

Adult content, dating platforms, webcam services

✅ Ideal Profile

Age verification, compliance program, established brand

⚠️ Challenging

No age verification, anonymous content, user-generated material

💡 Approval Tips: Checkout.com has limited adult appetite. Consider high-risk specialists instead.

Brand New Business (<3 months)

52%
Difficult

No processing history, pre-launch, new merchants

✅ Ideal Profile

Strong financials, experienced founders, detailed projections

⚠️ Challenging

No runway, inexperienced, vague business plan

💡 Approval Tips: Show financial backing. Emphasize founder experience. Detailed business plan.
"We're a crypto wallet with NFT marketplace features. Stripe rejected us in 24 hours. Used MerchantGuard's readiness check, fixed 3 compliance gaps they flagged, applied to Checkout.com. Approved in 5 days. Processing $400K/month now. Worth the 3.2% fees."
— Web3 Wallet Founder, $180K MRR
Approved by Checkout.com, October 2024

Is Checkout.com Your Best Option?

Checkout.com is excellent for many high-risk profiles, but not always the #1 choice. Here's how to decide:

✅

Choose Checkout.com If

  • Gaming, crypto, NFT, or high-volume e-commerce
  • Need global coverage (APAC, LATAM, EU)
  • Processing >$50K/month with growth plans
  • Can afford 2.9-4.5% fees for approval
  • Need alternative payment methods
  • Want enterprise-level fraud tools
🔄

Consider Alternatives If

  • Pure CBD/adult (try PaymentCloud, eMerchant)
  • Volume &lt;$20K/month (Stripe/Square more cost-effective)
  • LATAM-only (Conekta better rates/coverage)
  • US-only operations (Braintree, Authorize.Net simpler)
  • Need immediate approval (some specialists faster)
  • Can&apos;t meet $50K+ monthly minimums

💡 Pro Strategy: Multi-PSP Redundancy

High-risk merchants should never rely on a single processor. Best practice:

  • Primary: Checkout.com (86% approval, global coverage)
  • Backup: PaymentCloud (high-risk specialist, MATCH-friendly)
  • Regional: Conekta for LATAM, Braintree for low-risk fallback

MerchantGuard's assessment identifies your optimal multi-PSP stack based on your risk profile.

Check Your Checkout.com Readiness in 60 Seconds

Get your personalized readiness score, approval odds, and preparation checklist. Avoid the 90-day rejection lockout by applying only when you're ready.

Start Free Readiness Check →
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📋 Personalized Checklist
⚡ Takes 60 Seconds
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Disclaimer: Approval odds are ML predictions based on historical merchant outcomes and should not be considered guarantees. Actual approval depends on Checkout.com's underwriting criteria, application quality, and current risk appetite. MerchantGuard is an educational readiness tool and does not submit applications, negotiate terms, or guarantee approvals. We may earn referral fees from payment processors including Checkout.com. Checkout.com is a registered trademark of Checkout.com.