Accept payments in 130+ currencies with local-currency acquiring that converts at higher rates than cross-border-flagged USD.
Why does local acquiring matter for international sales?
Cards processed cross-border (e.g. a EUR card billed in USD) carry a 1.0–1.5% surcharge from the networks plus a noticeably higher decline rate. Local acquiring in EUR, GBP, AUD, and CAD removes both and typically lifts authorization rates by 8–15%.
Which currencies should an ecommerce store support?
If overseas traffic is more than 10% of sessions, start with EUR, GBP, AUD, CAD. Add region-specific rails (SEPA in Europe, BPAY in Australia) once volume justifies it.
How are international chargebacks different?
European cards under PSD2 require 3-D Secure 2 / SCA on most ecommerce transactions — non-compliant transactions get auto-declined or charged back as fraud. We enable SCA by default on every international MID.
What about FX risk?
Funds can settle in USD with daily FX or in the local currency to a multi-currency bank account. The right choice depends on your COGS currency — talk to your account manager.
Frequently asked questions
How fast can you get approved?
Most ecommerce merchants are approved within 24 hours of complete application submission. Files with chargeback history or international processing may take 48–72 hours while underwriting reviews trailing statements.
What does it cost?
Interchange-plus pricing — typically 2.4% + $0.10 per transaction with no setup fee and no monthly minimum. You see interchange cost, assessments, and our markup on a single itemized statement.
What if I've been terminated by another processor?
We work with merchants who've been dropped by Stripe, Square, and PayPal. Bring documentation of the termination plus 3–6 months of processing statements and we'll review your file.