Checkout.com

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Who should use this guide
This guide is intended for merchants who:

Use Payrails as a payment orchestrator

Use Checkout.com Payments

Are approved to process raw card data

We use a server-to-server integration with Checkout.com, so your account must be enabled to process raw card data. If this isn’t enabled, payments won’t work in production. Please contact your Checkout.com account manager or support team to activate it.

Create and configure a Checkout.com integration in Payrails

Log in to the Payrails portal.
Go to Settings → Integrations.
Select Add instance to create a new Checkout.com integration configuration.
Select the Workspaces where this integration should be available.

About Workspaces
Workspaces determine where this integration is available. They let you isolate provider setups by region or business line, or share the same configuration across multiple Workspaces.

Step 1: Choose the integration type

Select Payment.
Continue to the next step.

Step 2: Choose the provider

Select Checkout.com.
Continue to the next step.

Step 3: Configure your Checkout.com integration

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What you’ll need from Checkout.com
Before you begin, make sure you have access to:

Processing Channel ID (pc_XXX)

Checkout.com Access Key ID

Checkout.com Access Key Secret

Webhook signature key

Sign in to your Checkout.com dashboard to complete this step.

Integration instance name

An integration instance is a specific payment provider setup in Payrails. You can create multiple instances for each provider based on region, currency, or business needs. Choose a clear, consistent name, as it is used in routing.

In Payrails

Enter an Instance name for your integration.

Account details

In Checkout.com

Sign in to the Checkout.com Dashboard.
Locate your Processing Channel ID in the account or processing channel settings.
Copy the Processing Channel ID (pc_XXXX).

In Payrails

Paste the value into the Processing Channel ID field.

API credentials

In Checkout.com

Go to Developers.
Select Create new key.

In Key details, select Access key pair.
Add a Description to help identify the key.
Under Scopes → Customise → Payments, enable:
- sessions:app
- sessions:browser
Select Allow any processing channel (or restrict if required).
If needed, locate your Processing Channel ID here (pc_XXX).
Select Create new key.

Copy the Access Key ID and Access Key Secret.

In Payrails

Paste the credentials into the corresponding fields.

Webhooks (notifications)

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Payrails uses Checkout.com webhooks to receive asynchronous payment status updates.

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Create the webhook in the same mode (test or live) as your Payrails integration.

In Checkout.com

Go to Developers → Webhooks.
Select New webhook.
Enter a name for the webhook.
Paste the Notification URL from Payrails.
Generate a Signature key.
Select:
- All events
- All entities
- All processing channels
Save the webhook.

In Payrails

Paste the Signature key into the HMAC key field.

Payment methods

In Payrails

Select the payment methods that should be enabled for this integration.

Enable the integration

In Payrails

Select Save account to enable the integration.

The Enabled status indicates that the Checkout.com integration is active.

Your Checkout.com integration is now ready to process payments.

Next steps

Run a test payment using a supported Checkout.com test card.
Verify that:
- The payment appears in Checkout.com.
- The payment status updates correctly in Payrails.
Once verified in test mode, repeat the setup in live mode.

→ Continue to: Test a payment