Why use Checkout.com instead of a regional UAE gateway?

Checkout.com is purpose-built for enterprise multi-currency acquiring, granular fraud tooling, and high-volume international card flows. UAE SMBs that sell in AED, USD, EUR, GBP, and SAR — or that need ICC-style risk controls — typically choose Checkout.com over a domestic-only gateway. For pure UAE-only flows at lower volumes, regional gateways like Telr or Magnati are equally viable.

Does Checkout.com settle to my UAE bank in AED?

Yes. The UAE entity of Checkout.com settles in AED to your registered UAE bank account. If you transact in multiple currencies, Checkout.com handles FX and settles a single net AED amount per cycle; HIBR captures both the gross original-currency line and the AED settled value on each invoice.

Is Checkout.com regulated in the UAE?

Yes. Checkout.com's UAE entity holds a payment-service-provider licence under the UAE Central Bank framework derived from Federal Decree-Law 14/2018 on the settlement of payment systems and electronic payment services.

Checkout.com Integration — HIBR ERP

Checkout.com is the enterprise-grade payments platform that powers a meaningful share of the UAE's high-volume e-commerce, marketplaces, travel, and SaaS billing. Its UAE entity is licensed by the UAE Central Bank under the framework derived from Federal Decree-Law 14/2018 on payment systems and electronic payment services, and it brings something few regional gateways match: native multi-currency acquiring across AED, USD, EUR, GBP, and SAR; bank-grade fraud and 3-D Secure tooling; and acquiring as principal (rather than as a re-seller of someone else's BIN sponsorship). For UAE SMBs that have outgrown a single-currency, single-emirate gateway — especially cross-border DTC brands, global SaaS, marketplaces, and tour operators — Checkout.com is wired into HIBR ERP natively. Every charge, refund, FX leg, and net settlement is reconciled to the originating invoice automatically, with multi-currency revenue recognition handled inside HIBR.

What this integration does

Multi-currency acquiring on one merchant account. Sell in AED, USD, EUR, GBP, and SAR on the same HIBR storefront and invoice pay-pages. Checkout.com FX-converts at acquiring time; HIBR captures original currency, AED equivalent, and FX margin on each invoice line.
Hosted Payments Page and Frames. Use Checkout.com's drop-in hosted page on invoice pay-links, or embed the Frames component for a fully on-brand HIBR storefront checkout without taking on PCI Level 1 scope.
Apple Pay, Google Pay, Click to Pay, network tokens. All wired through HIBR's pay flows; HIBR captures wallet method and network-token reference on each invoice for downstream reporting.
Risk & fraud tooling. Checkout.com's Risk module decisions are surfaced inside HIBR — auto-block, 3DS step-up, or manual review, with the decision logged against the invoice.
Net settlement reconciliation in AED. Daily or weekly net payouts to your UAE bank, reconciled line-by-line including FX margins, refunds, and chargebacks.
Recurring & saved cards via network tokens. HIBR drives subscription schedules; Checkout.com's network-token vault preserves authorisation rates across card expirations.

Setup in 15 minutes

Open HIBR ERP → Settings → Payments → Add gateway → Checkout.com. You'll need your Checkout.com Public Key, Secret Key, Processing Channel ID, and webhook signing secret from the Checkout Hub.
Paste credentials and define currency mapping. List each currency you want to accept and map it to a HIBR ledger account (typically one revenue account per currency, or a single multi-currency revenue with FX accounted at settlement).
Configure your Risk policy. Mirror your Checkout.com Risk rules in HIBR's invoice workflow — auto-block hard declines, route Risk score > X to manual review queue, etc.
Run an end-to-end test charge in each currency. 1 AED, 1 USD, 1 EUR. HIBR verifies authorisation, 3DS, capture, refund, webhook receipt, and settlement-file ingestion per currency.
Map fee & FX accounts. Default: "Card processing fees — Checkout.com" and "FX margin — Checkout.com". Split by entity, region, or channel if needed.
Enable on the channels you want. Storefront checkout, invoice pay-links, WhatsApp, recurring billing. Save.

Use cases

Dubai DTC perfume brand — global e-commerce. Ships to 38 countries, sells in 5 currencies on a single HIBR-hosted storefront. Checkout.com acquires in each currency; HIBR books original-currency revenue, AED equivalent, FX margin, and Checkout.com fees per order. End-of-month: one closed multi-currency ledger, no spreadsheets, no after-the-fact FX adjustments.

Abu Dhabi SaaS billing — global subscription base. 1,400 active SaaS subscribers across UAE, Europe, US. Checkout.com network tokens preserve auth rates across card expirations; HIBR's recurring billing engine retries declines with progressive 3DS escalation; WhatsApp dunning rescues the small percentage that need a card update. Net AED settlement to the operating account, fully reconciled.

RAK luxury tour operator — multi-currency bookings. Sells UAE desert experiences to European and US tour groups. Books in EUR and USD on the website, converts to AED at acquiring time, settles to the operator's local bank in AED. HIBR shows the operator daily P&L in AED with currency-of-sale visibility for marketing attribution.

Pricing. The Checkout.com integration is included free in HIBR ERP Pro (499/mo) and Enterprise (14,990/yr). You pay Checkout.com's MDR and FX margin directly under your enterprise agreement. HIBR adds no markup and never touches the funds flow. Lite tier customers should use a regional gateway like Telr or Magnati.

Frequently asked questions

Do I need to be PCI Level 1 compliant to use Checkout.com with HIBR?

No. HIBR uses Checkout.com's Hosted Payments Page or Frames component, both of which keep PCI scope on Checkout.com's side. Your HIBR storefront and invoice pay-pages never see raw card data — only tokens and references.

How does multi-currency revenue recognition work in HIBR?

For each invoice, HIBR captures the customer-currency gross, the Checkout.com FX rate, the AED equivalent at acquiring time, and the actual AED settled to your bank. Revenue is recognised at acquiring-time AED; any settlement variance is booked as an FX gain or loss. Compliant with IFRS 15 and UAE VAT reporting.

Can I run Checkout.com alongside a regional UAE gateway?

Yes. Many HIBR customers run Checkout.com for international card flows and Telr, Magnati, or Network International for local UAE-only POS or invoice flows. HIBR routes each transaction to the correct gateway and reconciles each settlement file independently.

Wire Checkout.com to HIBR ERP in under 15 minutes

Free integration in Pro and Enterprise tiers. Enterprise-grade multi-currency acquiring, reconciled to your AED ledger. Beta launches October 2026 — join the waitlist for founding-customer pricing.

Join the waitlist →