Checkout.com Returns to Full-Year Profitability and Surpasses $300B in Volume, as It Positions for the Era of Agentic Commerce

WHY THIS MATTERS: Checkout.com’s announcement is a powerful signal of market maturity. In an era where fintech valuations are scrutinized, the pivot back to full-year EBITDA profitability with margins over 10% fundamentally validates the strength of its core payments infrastructure. This story isn’t just about one company’s balance sheet; it speaks to a broader industry trend toward profitable growth, where unicorn status is now judged by sustainable unit economics, not just volume acceleration. For enterprise clients, the commitment to a unified, highly resilient platform that facilitated $300 billion in total payment volume, especially with 99.999% uptime during peak holiday traffic, establishes a critical bar for reliability. More futuristically, the company is positioning itself at the leading edge of next-generation digital interaction by building the interoperability layer for agentic commerce—setting the stage for a dramatic shift in how AI-driven transactions will reshape the consumer and merchant landscape in the coming years. This is the blueprint for how large-scale payment processors must evolve to maintain relevance.

Checkout.com, a leading global digital payments company, today announced a return to full-year EBITDA profitability and record-breaking volume in 2025, validating its long-view strategy centred on a strong core business, a high-performance culture, and capital reinvestment into key growth markets.

In his 2025 Annual Letter, Founder and CEO, Guillaume Pousaz outlined the company’s growth figures: $300B in total payment volume in 2025, a 64% increase year-over-year, and grew net revenue by over 30% for the second consecutive year. This announcement reinforces Checkout.com’s position as a revenue engine for the world’s largest brands and its commitment to performance-led payments.

Return to profitability: Checkout.com achieved full-year EBITDA profitability, with an adjusted EBITDA margin exceeding 10%, demonstrating a self-sustaining business model built for the long term.

Enterprise adoption: The company now partners with over 1,000 enterprise merchants globally including brands such as Uber, eBay, Spotify, Temu, Pinterest, HelloFresh, ASOS, and Vinted. It counts 63 in its “Billion Dollar Club”–merchants processing over $1B annually on the Checkout platform–up from 39 just a year ago. 

Performance and resilience: The platform maintained 99.999% uptime throughout the year. Over the Black Friday / Cyber Monday weekend, the company processed $5.2B in total volume across nearly 100 million transactions, with 95% of them completing in under one second.  

Guillaume Pousaz, CEO and Founder of Checkout.com, commented: “Our return to profitability and the record-breaking performance of our enterprise clients validate the long-term architectural bet we made from day one: that a single, unified infrastructure would ultimately outmatch patched-together legacy systems.”

“When I look now at the merchants we serve, with the technology we’ve built, we now have the right to win in any category and every geography. We have earned this privilege by staying true to the principles we developed when we founded the company–to relentlessly move forward, deliver value to merchants, and compound learnings to drive growth.”

Paving the way for agentic commerce 

Looking ahead, the company is spearheading the move toward agentic commerce, where AI agents will purchase autonomously on behalf of humans. Checkout.com is focused on building the interoperability layer for this commerce channel. The company is live with Google’s new Universal Commerce Protocol and supports both Visa Intelligent Commerce and Mastercard’s Agentpay framework. 

Beyond agentic commerce, Checkout.com has embedded AI into every layer of its core operations to remove friction across the business. AI-driven policy reviews have cut due diligence time by 83% and AI now automates 100% of rejected transaction distribution, previously a manual task. Beyond operational efficiency, the company’s technical output has accelerated through the generation of 2.7 million lines of AI-generated code monthly.

Investment and expansion

Checkout.com also highlighted significant investments in key regions and product lines: 

Team growth: In 2025, we grew our team by 15% to 2,000 staff globally, opening new hubs in San Francisco, Atlanta, and Sao Paulo.

North America: Our license application for a MALPB (Merchant Acquirer Limited Purpose Bank) license in Georgia was approved, marking a critical step toward direct acquiring in the world’s largest economy. 

Issuing: The Issuing business hit a $5B run rate in Q4 2025 and is planning US and UAE expansion in 2026.

Alternative payments: Alternative payment volumes grew 104% in 2025, with more than 50 different payment methods now supported. From Apple Pay and Google Pay to recent additions like Tabby, TWINT, and Swish among others. 

FF NEWS TAKE: This is a needle-mover, primarily due to the clear strategic foresight into next-generation commerce. Achieving self-sustaining, profitable growth while simultaneously obtaining a crucial MALPB license in North America demonstrates aggressive, thoughtful expansion. The real action to watch next is not the enterprise volume, but the progress in agentic commerce adoption. We need to see concrete data on how quickly the Universal Commerce Protocol and similar frameworks translate into real transaction flow, proving that AI-driven checkout is the industry’s immediate future.

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