The Intelligent Acceptance Service terms authorize Checkout.com to automatically enroll merchants in additional fee-bearing services, with merchant usage of those services treated as acceptance of the applicable service terms and associated fees.
This analysis describes what Checkout.com's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision creates a mechanism under which new fee obligations and service terms may be incurred by merchants without a separate explicit consent step, as acceptance is established through usage following automatic enrollment. Procurement and finance teams relying on explicit authorization workflows for new service commitments should evaluate whether this mechanism is consistent with their internal controls.
Under this clause, merchants using the Intelligent Acceptance Service may incur fees for additional services they have not independently selected, with acceptance of those service terms established by continued usage. The agreement does not specify a notification period or opt-out window before fee obligations attach following automatic enrollment.
Cross-platform context
See how other platforms handle Intelligent Acceptance Auto-Enrollment in Chargeable Services and similar clauses.
Compare across platforms →"To use the Intelligent Acceptance Service, Checkout.com may automatically opt the Company into other chargeable Services, and should it do so, the relevant Service Terms will apply and the Company's usage of such Services will constitute acceptance of the relevant Service Terms. Depending on the Company's preferences, certain Transaction flow strategies may result in additional Fees.Excerpt from Checkout.com's Terms
REGULATORY LANDSCAPE: This provision does not engage a specific consumer protection statute in isolation, but may interact with FCA requirements around transparent fee disclosure for regulated payment service providers under the Payment Services Regulations 2017.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
This provision creates a mechanism under which new fee obligations and service terms may be incurred by merchants without a separate explicit consent step, as acceptance is established through usage following automatic enrollment. Procurement and finance teams relying on explicit authorization workflows for new service commitments should evaluate whether this mechanism is consistent with their internal controls.
Under this clause, merchants using the Intelligent Acceptance Service may incur fees for additional services they have not independently selected, with acceptance of those service terms established by continued usage. The agreement does not specify a notification period or opt-out window before fee obligations attach following automatic enrollment.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Checkout.com.