What tech stack does Checkout.com use?

Checkout.com runs a polyglot backend: Go (Golang) for high-throughput, latency-sensitive payment routing paths — confirmed via dedicated Software Engineer (Golang) job listings on multiple job boards; Java and .NET Core (C#) for core transaction processing and business logic; Python for data science, ML model training (Fraud Detection Pro, Intelligent Acceptance), and internal tooling. Microsoft Orleans — a .NET distributed actor framework for stateful, high-concurrency workflows — is detected in the stack, consistent with building real-time fraud scoring and session management at financial-grade throughput.

Infrastructure is predominantly AWS: EKS and Fargate for container orchestration, DynamoDB for low-latency key-value storage (well-suited to session and token management), SQS and Kinesis for event streaming (critical for real-time fraud signals), and S3 for object storage. Kafka (Amazon MSK) provides the real-time event backbone connecting payment processing, fraud, analytics, and downstream systems. Terraform and Ansible handle infrastructure-as-code; GitHub Actions is the primary CI pipeline tool. Datadog and Splunk form the observability layer — consistent with the company's 99.999% uptime SLA requiring real-time alerting across a globally distributed stack processing 60M+ Intelligent Acceptance events per day.

The frontend for developer-facing surfaces (Flow payment UI, documentation portal, merchant dashboard) uses Next.js and Gatsby — React-based frameworks optimised for high-performance public-facing pages. TypeScript is the primary typed JavaScript dialect. LaunchDarkly is detected, suggesting feature flagging for controlled product rollouts — critical for a payments platform that cannot afford UI regressions affecting live transaction flows.

On data: Snowflake is the cloud data warehouse for analytics and cross-team reporting; PostgreSQL and Couchbase handle operational databases; Elasticsearch supports search and log analytics; Kafka (MSK) drives real-time event streaming across services; and Looker serves as the BI and analytics layer. Retool powers internal admin tooling. CRM and sales engagement tooling are not publicly disclosed, but at Checkout.com's enterprise sales scale (1,000+ merchant accounts and active US/APAC expansion), a Salesforce or comparable enterprise CRM is almost certainly in use.

The most notable new layer in 2026 is agentic commerce: Checkout.com is live on Google's Universal Commerce Protocol (UCP), Visa Intelligent Commerce, and Mastercard Agent Pay — standards that enable AI agents to autonomously execute purchases on behalf of consumers. Checkout.com is actively building verifiable user-intent attachment and dispute-resolution capabilities for agent-initiated transactions, positioning the platform as infrastructure for the post-human-checkout commerce era.

Checkout.com is a sophisticated, engineering-led buyer. The company runs AWS natively, so vendors requiring on-prem deployment or Azure/GCP exclusivity face integration friction. APIs and integrations must meet financial-grade SLAs — sub-100ms response time, 99.99%+ availability — and any tool touching payment data must pass a rigorous security review (PCI DSS Level 1, SOC 2, ISO 27001 alignment). The 2026 Georgia MALPB charter and Blue EMI acquisition will further deepen compliance and regulatory tool requirements in the US and EU respectively.

Displacement opportunities map clearly to known incumbents: observability vendors competing with Datadog and Splunk, data warehouse vendors competing with Snowflake, document database vendors competing with Couchbase, and feature-flagging vendors competing with LaunchDarkly all have a named incumbent to displace. The GTM tooling layer — CRM, sales engagement, revenue intelligence, intent data — is likely the softest entry point, as Checkout.com's commercial team is actively growing in the US (new SF office, Georgia charter) and APAC (71% TPV growth) and will have evolving needs for sales intelligence and enablement. Any vendor emphasising agentic commerce readiness, AI-native compliance tooling, or APAC data-residency capabilities has a timely and differentiated pitch for Checkout.com's current strategic priorities.