Hyperfold AI

Checkout.com Integration

Enterprise payment processing with Network Tokens and smart routing.

Overview

Checkout.com is an enterprise payment processor offering Network Tokens, intelligent routing, and advanced fraud prevention. It's ideal for high-volume merchants seeking optimized approval rates.

Network Tokens provide 5-10% higher approval rates compared to raw card storage, making them ideal for merchant-initiated agent transactions.

Setup

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# Connect Checkout.com
$ hyperfold integrate add checkout
 
Enter your Checkout.com Secret Key: sk_xxx
Enter your Checkout.com Public Key: pk_xxx
 
Testing connection...
✓ Connected to Checkout.com
 
CHECKOUT.COM CONNECTED
  Entity ID:        ent_xxx
  Mode:             live
  Processing:       enabled
 
# View connection details
$ hyperfold integrate show checkout
 
INTEGRATION: Checkout.com
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
 
Entity ID:          ent_xxx
Business:           Acme Sports Inc.
Mode:               live
Status:             active
 
CAPABILITIES
  ✓ Card Payments
  ✓ Network Tokens
  ✓ 3D Secure
  ✓ Apple Pay / Google Pay
  ✓ Multi-currency
 
PROCESSING CHANNELS
  Card-not-present:   enabled
  Recurring:          enabled
 
WEBHOOKS
  Endpoint:         https://api.hyperfold.io/webhooks/checkout/xxx
  Events:           payment_*, card_*
  Status:           active

Prerequisites

  • Checkout.com merchant account
  • API credentials (Secret and Public keys)
  • Network Tokens enabled (Enterprise feature)

Network Tokens

Network Tokens are card-network-issued tokens that replace card numbers:

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# Network Token support for agent payments
 
# Network Tokens are secure, card-network-issued tokens
# that replace raw card numbers for merchant-initiated transactions
 
# Benefits for agent commerce:
# - Higher approval rates (5-10% improvement)
# - Automatic card updates (no expired card failures)
# - PCI scope reduction
# - Lower interchange fees on some networks
 
# Configure Network Tokens
$ hyperfold integrate config checkout \
  --enable-network-tokens \
  --token-provider=visa,mastercard
 
# Token flow:
# 1. Customer saves card → Checkout.com requests Network Token
# 2. Network Token stored instead of PAN
# 3. Agent transactions use Network Token
# 4. Card updates propagate automatically
 
# Token in ACP checkout:
POST /acp/checkout/finalize
{
  "checkout_id": "chk_xyz789",
  "payment": {
    "method": "checkout_nt",
    "network_token_id": "tok_nt_abc123"
  }
}

Network Token Benefits

BenefitImpact
Higher Approval Rates5-10% improvement on average
Auto Card UpdatesNo expired card failures
Reduced PCI ScopeNo card data storage
Lower FeesReduced interchange on some networks

Payment Processing

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# Payment processing with Checkout.com
 
@OnACPEvent("checkout.finalize")
async handleCheckoutPayment(event: CheckoutEvent) {
  // Process payment with Network Token
  const payment = await this.tools.payments.charge({
    provider: "checkout",
    amount: event.total * 100,  // Checkout.com uses minor units
    currency: "USD",
    source: {
      type: "network_token",
      token: event.payment.network_token_id
    },
    reference: event.order_id,
    metadata: {
      session_id: event.session_id,
      customer_id: event.customer.id
    },
    "3ds": {
      enabled: event.total > 100,  // 3DS for larger transactions
      attempt_n3d: true
    }
  });
 
  return {
    status: payment.approved ? "success" : "payment_failed",
    payment_id: payment.id,
    auth_code: payment.auth_code
  };
}
 
# View payment details
$ hyperfold pay show pay_xxx
 
PAYMENT: pay_xxx
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
 
Provider:           Checkout.com
Status:             Captured
Amount:             $167.79 USD
 
CARD
  Brand:            Visa
  Last 4:           4242
  Expiry:           12/27
  Network Token:    Active
 
3D SECURE
  Version:          2.2
  Status:           Authenticated
  ECI:              05
 
PROCESSING
  Auth Code:        123456
  Response Code:    10000 (Approved)
  Risk Score:       12 (Low)

Features

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# Checkout.com advanced features
 
# Multi-currency processing
$ hyperfold integrate config checkout \
  --currencies=USD,EUR,GBP,JPY \
  --auto-conversion=true
 
# Intelligent acceptance
$ hyperfold integrate config checkout \
  --smart-routing=true \
  --retry-on-soft-decline=true \
  --cascade-to-backup=true
 
# Fraud prevention
$ hyperfold integrate config checkout \
  --fraud-detection=enabled \
  --risk-threshold=medium \
  --block-high-risk=true
 
# View processing statistics
$ hyperfold pay stats --provider=checkout --period=30d
 
CHECKOUT.COM STATISTICS (30 days)
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
 
VOLUME
  Transactions:     2,341
  Gross:            $412,500.00
  Refunds:          $8,750.00
  Net:              $403,750.00
 
APPROVAL RATES
  Overall:          96.2%
  Network Tokens:   98.1% (+1.9%)
  3DS Attempted:    94.5%
  3DS Passed:       97.8%
 
CARD BRANDS
  Visa:             58%
  Mastercard:       35%
  Amex:             7%

Smart Routing

Intelligent Retry

Automatically retry soft declines with optimized parameters to improve approval rates.

Cascade Routing

Route to backup acquirers when primary processor fails, ensuring maximum transaction completion.

Risk-Based 3DS

Apply 3D Secure selectively based on transaction risk, balancing security with conversion.

For simpler setups, see Stripe or PayPal.