As global businesses scale, the need for fast, reliable, and cost-efficient payment infrastructure has become mission-critical. Through a five-year strategic collaboration, Checkout.com and Visa Direct are delivering a unified solution designed to meet the demands of modern enterprises operating across borders.
By combining Checkout.com’s enterprise-grade payments platform with Visa Direct’s global network spanning 195+ countries and 150+ currencies businesses can move funds in near real time, bypassing the delays of traditional banking systems.
Unlocking instant funding and payouts
At the core of this collaboration is the ability to both collect and disburse funds seamlessly through a single API. This creates a unified financial flow that supports real-time business operations.
Account funding transactions (AFTs):
- Enable businesses to pull funds directly from customer cards
- Ideal for digital wallets, trading platforms, and neobanks
- Reduce friction at critical conversion points
Original credit transactions (OCTs):
- Allow businesses to push funds directly to customer cards
- Replace slow bank transfers for payouts
- Deliver faster access to funds for end users
Real-world impact across industries
This infrastructure is already transforming how enterprises operate across multiple sectors:
- Insurance: Enables near-instant claims payouts, improving customer trust during critical moments
- Gig economy and payroll: Supports on-demand earnings and early wage access
- E-commerce: Powers faster refunds, strengthening customer retention and brand loyalty
- Remittances: Simplifies cross-border transfers with faster, more transparent flows
Designed for scale and efficiency
Beyond speed, Checkout.com delivers structural advantages that support long-term growth:
- Volume-based efficiency: Payment costs can decrease as transaction volumes increase
- Unified liquidity management: Businesses can fund payouts directly from incoming payments without pre-funding delays
Performance-driven infrastructure includes:
- Real-time validation to prevent failed transactions
- Smart retry logic to recover soft declines automatically
- Advanced card eligibility checks for optimized routing
With support across key markets, including the US, UK, EEA, Singapore, and UAE enterprises can scale globally with a single provider.
Preparing for the future of digital commerce
As digital ecosystems evolve, the ability to move money instantly is becoming foundational. This collaboration positions Checkout.com and Visa Direct as critical infrastructure providers for the next generation of commerce where speed, automation, and global reach are no longer optional.
About Visa Direct
Visa Direct enables fast, secure payments to billions of endpoints worldwide, including cards, wallets, and bank accounts. It provides the real-time connectivity required for modern financial services.
About Checkout.com
Checkout.com is a global payments platform built for enterprise performance. Its modular, AI-driven infrastructure supports payment acceptance, fraud prevention, and payouts helping businesses scale efficiently across international markets.
