Checkout.com Enters In-Person Payments Market with Mollie Partnership

Checkout.com has expanded into the in-person payments market, partnering with Mollie to offer a device-agnostic solution for enterprise merchants. By unifying online and offline acquiring through a single API and settlement infrastructure, the move addresses merchant demand for streamlined reconciliation and operational resilience across multiple sales channels.

What was announced

Checkout.com is moving beyond its digital roots to provide in-person payment processing for enterprise merchants. The solution is built to be device-agnostic, allowing businesses to avoid being locked into specific hardware providers. Instead, the modular platform enables merchants to integrate terminals they already own or select hardware that best fits their specific retail operations. This expansion follows the company’s recent reports of sustained profitability and growing margins, providing the capital necessary to invest in new segments.

Central to this offering is a partnership with Mollie, which serves over 350,000 businesses. Mollie will leverage Checkout.com’s acquiring platform while maintaining control over its own hardware strategy and customer experience. For merchants, the primary benefit is the unification of physical and digital sales. Both channels operate through the same Unified Payments API, platform, and settlement infrastructure. This consolidated approach provides a shared dashboard for payment teams, simplifying the often complex task of cross-channel reconciliation.

The rollout begins immediately in the United Kingdom and the European Economic Area (EEA), with a United States launch to follow. Checkout.com, which anticipates processing $480 billion in global ecommerce payments by 2026, has built this infrastructure for scale, boasting sub-500ms latency and a rapid development cycle of 500 code releases per day. Over the past 12 months, the company has launched more than 150 merchant-facing features. Further capabilities and market expansions are scheduled for the coming year.

"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,"

Rogier Schoute, CPO of Mollie

The companies involved

Checkout.com is a major player in the global payments landscape, with FF News having tracked their progress across 159 previous reports. Known for its high-performance online acquiring platform, the company has established a significant presence in the fintech sector by focusing on speed and reliability for enterprise-level clients, processing massive volumes of digital transactions across multiple regions. Its infrastructure is built on direct scheme connectivity, designed to handle the scale required by global merchants. Mollie is a prominent European payments platform, the subject of 39 FF News stories, that caters to a vast network of more than 350,000 businesses. The company has built its reputation on providing simplified financial services and high-performing products for a diverse range of merchants, from small businesses to larger enterprises. Mollie has recently been active in expanding its reach beyond traditional payment processing, exploring new frontiers in financial infrastructure. By combining Mollie’s local expertise and established merchant relationships with Checkout.com’s enterprise-grade acquiring infrastructure, the two companies are positioning themselves to capture a larger share of the omnichannel retail market.

What FF News has reported before

FF News has closely tracked the expansion of both firms. Recently, we covered how Samsung Taps Checkout.com for Global Digital Commerce and Samsung Pay Expansion, highlighting the processor's role in supporting major tech ecosystems. We also reported on Moomoo Partners with Visa and Checkout.com for Real-Time Apple Pay and Google Pay Deposits and the company's regional growth through the Checkout.com Boosts UAE Payments with Native Jaywan Card Scheme Integration. Meanwhile, Mollie has been diversifying its portfolio, as seen when Mollie Unveils €50M Venture to Build Financial Infrastructure for Autonomous AI Agents, signaling a shift toward advanced financial layers for emerging technologies.

What this means

This move signals that the era of "online-only" payment giants is effectively over. For Checkout.com, moving into the physical store is a defensive necessity as enterprise merchants increasingly demand a single source of truth for all transaction data. By opting for a device-agnostic, software-led strategy, they are directly challenging the hardware-heavy models of legacy providers. This puts pressure on incumbents who rely on proprietary terminal sales to maintain margins. The partnership with Mollie also suggests a trend toward "infrastructure-as-a-service," where established players share their backend power to quickly scale into new segments. The industry must now ask if pure-play POS providers can survive without a competitive ecommerce stack.