Microsoft Taps Checkout.com for EMEA Payments

Microsoft has selected global digital payments provider Checkout.com to power transactions across its primary product lines in the EMEA region. 

The agreement will see Checkout.com deliver card acceptance for several of the tech giant's major business lines, including Xbox, Microsoft 365 and Microsoft Azure.

As a cornerstone of global cloud infrastructure and enterprise software, Microsoft requires high-performance payments architecture to support its digital ecosystem. 

The collaboration grants the firm access to Checkout.com’s cloud-based platform, which was selected to meet the scalability and resilience demands of a global enterprise.

Infrastructure integration

By connecting directly to Microsoft’s Payments API, Checkout.com routes transactions through a unified system to standardise the payment experience for consumers and enterprises. 

Microsoft will deploy Checkout.com’s regional acquiring services alongside Intelligent Acceptance – an AI-powered optimisation engine.

The proprietary engine uses real-time network data to route transactions, reduce card failures and boost performance rates. 

To date, the optimisation technology has unlocked more than US$20bn in merchant revenue by processing roughly 26,000 optimisations per minute.

The treasury department at Microsoft pointed to processing efficiency and global footprint as the core drivers behind the operational shift.

Pankaj Gudimella, General Manager, Microsoft Treasury notes: “As a global business, we need payments partners that can support our business lines with a unified, high-performance way to accept payments worldwide,” notes Pankaj Gudimella, General Manager, Microsoft Treasury.

 “Checkout.com brings a modern payments platform, along with strong payments expertise and robust global acquiring capabilities. Their technology supports the performance and reliability we need as we continue to enhance the commerce experience across Microsoft’s products and services.”

Payments infrastructure at scale 

For Checkout.com, securing an enterprise client of this scale highlights the market demand for flexible, single-platform payment architectures.

“Microsoft has been at the forefront of every major technological shift – from the rise of personal computing to the cloud, and now AI,” says Guillaume Pousaz, CEO and Founder of Checkout.com. 

“Supporting a company with this depth of legacy and forward momentum requires payments infrastructure that is resilient, adaptable and engineered for continuous innovation. This is a testament to the performance and flexibility our platform delivers, and we’re proud to play a role in powering the commerce layer behind the technologies millions rely on every day.”

The rollout will phase across key EMEA territories, integrating directly into the treasury workflow to optimise processing costs and approval rates for the regional business units.

Checkout.com facilitates payments for thousands of enterprises driving the digital economy. 

Its international digital payment network accommodates over 145 currencies and provides high-efficiency payment solutions globally, managing billions of transactions each year. During 2025, the company handled more than US$300bn in ecommerce payment volume.

By assisting enterprise merchants in improving acceptance rates and mitigating fraud, we transform payments into a significant revenue source. With its headquarters in London and 19 global offices, Checkout.com has clients that include Spotify, HelloFresh, eBay, Uber, Pinterest, Vinted, Klarna, the Financial Times and Sony.