Checkout.com expands into in-person payments with Mollie

Checkout.com has expanded into in-person payments through a partnership with European fintech Mollie.

The new offer responds to demand from merchants that want to use the same payments provider for transactions in shops and online. Mollie is working with Checkout.com on the service, combining its terminal and hardware expertise with Checkout.com's acquiring platform.

The launch marks a broader step for Checkout.com as it looks to build beyond its online acquiring business. Sustained profitability and improving margins have given the group room to invest in new product areas, including payment services for physical retail.

Its approach to in-person payments is centred on software rather than a single terminal provider. Merchants can connect existing payment terminals or choose hardware that suits their operations, rather than being tied to one device supplier.

This structure is designed to let businesses manage online and in-store transactions through one acquiring relationship. Both channels will run through the same Unified Payments API, contract and settlement set-up, while a shared dashboard will give payment teams a single view of activity and reconciliation.

Merchant demand

The partnership with Mollie gives Checkout.com access to a payments platform that serves more than 350,000 businesses in Europe. Under the arrangement, Mollie will combine Checkout.com's acquiring system with its own local market knowledge, software and merchant relationships for businesses that sell both digitally and in person.

Mollie will retain control over its customer experience and hardware strategy, with Checkout.com's in-person payments service integrated directly into Mollie's offer. This allows Mollie to maintain its front-end merchant relationships while using Checkout.com for the underlying acquiring layer.

Antoine Nougué outlined the rationale for the move.

"This expansion follows our earlier announcement of sustained profitability and growing margins, giving us the capacity to invest in new technologies and segments. Our merchants know Checkout.com for our speed, reliability and pace of innovation, and they asked us to bring that to in-person payments. Our job is to go where they need us most," said Antoine Nougué, Chief Revenue Officer at Checkout.com.

The move reflects a wider shift in payments, as merchants increasingly want fewer providers handling sales across channels. For larger retailers and platforms in particular, using separate systems for eCommerce and in-store transactions can add operational complexity across reporting, settlement and support.

Checkout.com is positioning the service around that simplification, with one infrastructure layer for digital and physical payment acceptance. This would allow payment teams to use the same operational and reporting tools across both environments.

Mollie tie-up

Mollie described in-person payments as a fast-growing part of its business. It is using the Checkout.com partnership to support that expansion while keeping its own software and hardware proposition in place for merchants.

"In-person payments is one of the fastest-growing areas of our business, driven by hundreds of thousands of European merchants looking to unify their physical and digital sales," said Rogier Schoute, CPO at Mollie.

Schoute added: "Our obsession has always been delivering the simplest, highest-performing product for our customers. When it comes to enterprise-grade processing and infrastructure, we deliberately partner with industry leaders like Checkout.com. Combining our proprietary hardware, point-of-sale software, and rapid in-person growth with Checkout.com's enterprise infrastructure ensures our merchants get the best of both worlds: complete flexibility on the shop floor, backed by world-class reliability."

The in-person offer will launch first in the UK and the European Economic Area, before a later rollout in the US. Checkout.com plans to add more card schemes and markets after the initial launch.

Growth push

The expansion comes as Checkout.com points to scale in its core business. It expects to process $480 billion in global eCommerce payments in 2026, underlining the size of the platform it is now extending into physical retail.

Checkout.com also highlighted the operational depth behind the move, including multi-region infrastructure, direct scheme connectivity and a single-platform architecture built over several years. It has launched more than 150 merchant-facing features over the past 12 months and supports 500 code releases a day.

For Checkout.com, the move into in-person payments puts it in more direct competition with providers that already span online and point-of-sale transactions. Its argument to merchants is that they can use one acquiring partner across both channels while keeping flexibility over terminal hardware and customer-facing software.

Mollie's role gives that strategy an early route into a large base of European businesses already selling across multiple channels. The partnership also shows how infrastructure providers and merchant-facing payment platforms are increasingly working together to build broader payment offerings without requiring a single company to own every layer of the stack.

Both online and in-person transactions will sit on the same platform, contract and settlement infrastructure, with a shared dashboard providing a common operational view.