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Checkout.com has partnered with Agoda to handle payment processing for the travel platform. The agreement covers Agoda's bookings and supplier payments across a network of more than six million properties.
The partnership focuses on consumer payment processing and virtual card issuing for Agoda's supplier network. Agoda uses the arrangement to support bookings across hotels, holiday properties, flights, activities and other travel products offered through its platform.
Checkout.com supports Agoda's payment flows across multiple markets and currencies, including during periods of heavy demand. It also provides virtual card issuing, allowing Agoda to pay travel suppliers through the same connected system.
A central part of the arrangement is Intelligent Acceptance, an artificial intelligence tool from Checkout.com that uses real-time network data to adjust transaction routing. The system is designed to reduce failed transactions and improve approval rates.
Agoda is also using Network Tokens and Real-Time Account Updater. Those tools are intended to reduce false declines in payment flows common in global travel, particularly in cross-border, multi-currency and high-volume transactions.
Travel payments
Travel companies face payment complexity because they often process transactions across borders, settle in different currencies and manage large supplier networks. As online travel groups work to reduce booking failures and pay partners on time, payments infrastructure has become a more significant operational issue.
Agoda, part of Booking Holdings, operates a travel marketplace with more than six million hotels and holiday properties worldwide. It also sells flights, activities and other travel experiences, and says its services are available in 39 languages.
London-based Checkout.com processes payments for businesses across the digital economy and supports more than 145 currencies. It said it processed more than USD $300 billion in eCommerce payments volume in 2025.
For Agoda, the supplier side of the arrangement is as important as the customer checkout experience. Virtual card issuing is used to pay hotels and other travel partners, while Agoda retains oversight of those issuing operations through a single platform.
Pitichoke Chulapamornsri, Senior Director, Head of Fintech & Business Initiatives at Agoda, explained why the company chose the payments provider.
"Our mission is to make travel easy, accessible, and rewarding for everyone, and that requires payments infrastructure we can trust at global scale. We chose Checkout.com for its proven performance, resilience, and deep technical expertise. Their ability to improve acceptance rates gives us confidence as we continue to expand our platform and serve travellers around the world," said Pitichoke Chulapamornsri, Senior Director, Head of Fintech & Business Initiatives at Agoda.
AI focus
The deal also reflects the wider use of artificial intelligence in payments, as providers increasingly apply data models to transaction routing and authorisation management. In sectors such as travel, where margins can be affected by failed payments and manual intervention, these systems are marketed as a way to improve conversion and reduce disruption.
Checkout.com presented the Agoda relationship as part of that shift in digital travel. The aim is to keep payment operations dependable for both travellers making bookings and suppliers receiving funds.
Brian Sze, Head of APAC at Checkout.com, described the commercial backdrop to the agreement.
"Behind every booked trip is a digital moment that needs to work instantly and invisibly. As travel becomes increasingly digital, AI-driven optimisation and resilient payments systems are essential to connecting travellers, merchants, and partners worldwide. We're proud to support Agoda with the technology that powers those connections," said Brian Sze, Head of APAC at Checkout.com.