Checkout.com adds Visa card issuing

Card issuing turns Checkout.com from a toll collector on merchant sales into infrastructure for how merchants spend money too. A marketplace, travel platform, or delivery company can accept funds through Checkout.com, then instantly create physical or virtual Visa cards to pay suppliers, contractors, or refunds without moving cash out to a bank first. That makes Checkout.com more embedded in daily money movement, not just checkout.

• The practical wedge is working capital. Checkout.com said its Visa issuing product lets UK and European merchants access acquired funds instantly, eliminate pre funding, and use cards for supplier payments. In 2025 it said issuing reached a $5B run rate, showing this is becoming a real volume stream, not a side feature.
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• This follows the same playbook used by Stripe, which bundles acquiring, issuing, and treasury so customers can manage incoming payments, balances, and card controls in one stack. The difference is Checkout.com is bringing that bundled model to large enterprise merchants that already use it for highly customized payment acceptance flows.
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• Issuing also helps offset a structural weakness in independent processing. Bank owned processors often win on cards they issue because they sit closer to the authorization flow. By adding issuing, Checkout.com gets closer to both sides of the transaction and broadens its share of merchant economics beyond pure acquiring take rate.
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The next step is a fuller merchant money stack, where Checkout.com handles acceptance, balances, payouts, and card based spend across multiple regions. The company has already expanded from Visa to dual network issuing in the UK and Europe, with US and UAE expansion planned for 2026, which points toward a broader treasury and embedded finance platform for enterprise merchants.