Checkout.com is entering its next phase of growth with stronger revenue, rising profitability and an expanding focus on artificial intelligence. The London headquartered payments company says its annualised net revenue has reached $750 million, representing 28% year over year growth, as it expands its payments business and prepares for a market where AI agents increasingly influence how consumers discover and purchase products.
The company expects to generate $150 million in adjusted EBITDA during 2026. Checkout.com returned to full year EBITDA profitability in 2025 after first becoming profitable in 2024. Earlier this year, the company reported more than $300 billion in total payment volume for 2025, up 64% from the previous year.
Revenue Growth Continues
Checkout.com attributed its latest growth to increasing payment volumes and geographic expansion. Its annualised net revenue figure is based on revenue generated during August and extrapolated across 12 months.
The company expects total payment volume to reach approximately $480 billion for the full year 2026, reflecting the continued expansion of its merchant network and transaction activity.
Checkout.com operates across 56 countries and has 10 acquiring licences. The United States has emerged as one of its fastest growing markets, with the company continuing to expand its direct acquiring capabilities there.
In September 2026, Checkout.com announced that it had gone live with US direct acquiring under its MALPB charter, marking another step in its expansion of payments infrastructure in the American market. Its newsroom also reported triple digit US growth earlier in September.
From Payments to Money Management
The company is also broadening its offering beyond traditional payment acceptance.
Checkout.com says it plans to expand its money management capabilities while continuing to develop products around payments, financial services and digital settlement. Its broader product strategy includes issuing, stablecoin settlement and services for platforms and software providers.
The company has also been expanding its infrastructure in the United States and other markets, seeking to give merchants greater control over how payments are processed and settled.
This expansion comes as digital commerce becomes increasingly fragmented across websites, applications, marketplaces and emerging AI interfaces.
AI Becomes a Major Focus
Artificial intelligence is becoming a central part of Checkout.com’s product strategy.
The company is investing in what it calls agentic commerce, where AI systems can discover products, make decisions and initiate purchases on behalf of consumers. Checkout.com has adopted the Agentic Commerce Protocol, backed by OpenAI, and is working with technology companies, payment networks and merchants to develop infrastructure for AI initiated transactions.
Checkout.com says the shift will require new approaches to agent identity, authentication, credentials, permissions and fraud prevention. Its systems are being developed to help merchants maintain control while allowing AI agents to interact with payment infrastructure.
The company estimates that agentic commerce could eventually represent a significant share of consumer spending, while its latest research shows that merchants are already preparing for AI driven shopping.
Building for Agentic Payments
For Checkout.com, the transition is not simply about adding AI features to an existing payments platform. The company is positioning payments infrastructure as a connection between merchants, consumers and AI systems.
Its approach includes agent specific credentials, identity verification, spending limits and permission controls. These mechanisms are intended to help merchants understand when an AI agent is initiating a transaction and whether that transaction falls within the permissions granted by the consumer.
A More Profitable Growth Phase
Checkout.com’s return to profitability gives the company additional room to invest while continuing its international expansion. The business now employs around 1,700 people and is using its stronger financial position to develop new products alongside its established payments operation.
The company is also preparing for a future in which commerce may increasingly begin with an AI assistant rather than a traditional website search.
With revenue growth, expanding payment volumes and a growing investment in agentic commerce, Checkout.com is positioning its next phase around both the expansion of global payments and the infrastructure needed for AI driven transactions.