Microsoft has selected Checkout.com as its payments partner in the EMEA region to improve its digital payment performance across several core business lines. This collaboration covers card acceptance for services including Xbox, Microsoft 365, and Microsoft Azure.
Microsoft Selects Checkout.com
The technology company will route transactions through a single system by connecting directly to the Payments API of Checkout.com. Consequently, this integration aims to deliver a consistent payment experience for millions of consumers and businesses. Meanwhile, the payment provider will deliver its services across Europe, the Middle East, and Africa.
Specifically, Microsoft will use an AI-powered optimization engine called Intelligent Acceptance to process transactions. This system uses real-time data from a global network to route transactions and reduce payment failures. Notably, the engine has processed 26,000 optimizations per minute to support authorization rates. According to the company, this technology has unlocked over $20 billion in merchant revenue.
Optimizing Digital Payment Performance
As digital commerce expands, companies require advanced systems to maintain high digital payment performance. This partnership will allow Microsoft to scale its services while maintaining transaction reliability. As a result, both companies expect to see improved transaction success rates across the EMEA region.
“Supporting a company with this depth of legacy and forward momentum requires payments infrastructure that is resilient, adaptable and engineered for continuous innovation.”
Guillaume Pousaz, CEO and Founder of Checkout.com
“Checkout.com brings a modern payments platform, along with strong payments expertise and robust global acquiring capabilities.”
Pankaj Gudimella, General Manager, Microsoft Treasury
Integration and Regional Scope
The agreement highlights the growing importance of digital payment performance in the global economy. Checkout.com, which is headquartered in London, operates 19 offices globally and supports over 145 currencies. Furthermore, the company processed more than $300 billion in e-commerce payments volume during 2025.
Many major brands use these payment services, including regional companies such as HungerStation and Tamara. These services are critical for modern apps and cloud platforms that require secure transaction processing. Additionally, the integration supports the growing demand for digital services in the Middle East.
Future Outlook for Digital Commerce
The partnership represents a significant step in the deployment of artificial intelligence within financial systems. By utilizing real-time data, the system can adapt to changing transaction patterns instantly. Therefore, merchants can expect fewer declined transactions and improved customer satisfaction over time.
Ultimately, the collaboration will help Microsoft manage its high volume of transactions across diverse platforms. As cloud services and online gaming continue to grow, efficient payment processing remains a critical factor for operational success. Consequently, both entities will continue to refine their integrated systems to support global users.
