Global Payment Processing for International Business

In today's interconnected global economy, businesses need payment processing solutions that transcend borders. Whether you're an e-commerce company selling worldwide, a SaaS platform with international subscribers, or a marketplace connecting global buyers and sellers, the complexity of cross-border payments can limit your growth potential. KeraPay specializes in international payment processing, providing the infrastructure, compliance expertise, and local payment methods needed to succeed in global markets while managing currency risk, fraud prevention, and regulatory requirements.

The Complexity of International Payment Processing

Cross-border payments involve multiple layers of complexity:

Currency and Financial Challenges

Foreign exchange rate fluctuations affecting profitability
High cross-border transaction fees from traditional processors
Settlement delays from international banking networks
Currency conversion transparency and markup concerns
Multi-currency accounting and reconciliation complexity
Banking relationship requirements in multiple countries

Regulatory and Compliance Issues

Different data protection laws (GDPR, CCPA, LGPD)
Payment regulations (PSD2, Open Banking)
Tax obligations (VAT, GST, sales tax)
Anti-money laundering (AML) requirements
Sanctions and restricted country compliance
Consumer protection laws varying by region

Multi-Currency Payment Processing

True multi-currency support goes beyond simple conversion:

Dynamic Currency Conversion (DCC)

Customer Choice

Let customers choose between paying in their local currency or your base currency. Transparent exchange rates displayed at checkout with guaranteed final amounts in their preferred currency.

Revenue Optimization

Earn additional revenue from currency conversion while providing customer convenience. Competitive rates that balance profitability with customer satisfaction.

Settlement Flexibility

Choose to settle in transaction currency or automatically convert to your preferred currency. Multiple settlement accounts for different currencies to minimize conversion.

Foreign Exchange Risk Management

Rate Locking: Fix exchange rates for specific periods to ensure predictability
Hedging Options: Forward contracts and options to protect against volatility
Real-Time Rates: Live FX rates from multiple sources for best pricing
Batch Processing: Optimize conversions by batching transactions
Treasury Services: Professional FX management for large volumes

Local Payment Methods by Region

Success in international markets requires supporting preferred local payment methods:

Europe

SEPA Region

SEPA Direct Debit
SEPA Instant Payments
iDEAL (Netherlands)
Sofort (Germany)
Giropay (Germany)
Bancontact (Belgium)

Non-SEPA Europe

Blik (Poland)
Trustly (Nordics)
MobilePay (Denmark)
Swish (Sweden)
Vipps (Norway)
MB Way (Portugal)

Asia-Pacific

China

Alipay
WeChat Pay
UnionPay
China Banking

Southeast Asia

GrabPay
GoPay (Indonesia)
OVO (Indonesia)
TrueMoney (Thailand)
PayNow (Singapore)

Other APAC

PayPay (Japan)
Kakao Pay (Korea)
Paytm (India)
UPI (India)
POLi (Australia)

Latin America

Brazil

PIX instant payments
Boleto Bancário
Local credit cards
Bank transfers

Spanish-Speaking

OXXO (Mexico)
MercadoPago
PagoEfectivo
Rapipago (Argentina)

Cross-Border E-Commerce Optimization

Maximize international sales with localized checkout experiences:

Localization Features

Language Support: Checkout pages in 40+ languages with automatic detection
Local Pricing: Display prices in customer's currency with tax inclusion
Address Formats: Country-specific address field validation
Phone Validation: International phone number format support
Date/Time Formats: Regional preferences for date and time display
Cultural Customization: Payment flow adapted to local expectations

Tax and Duty Management

Automatic VAT/GST calculation based on customer location
US state sales tax with nexus management
Import duty and customs fee estimation
Tax-inclusive vs tax-exclusive pricing options
Digital services tax compliance
Automated tax reporting and remittance

International Fraud Prevention

Cross-border transactions require sophisticated fraud detection:

Geographic Risk Assessment

Country Risk Scoring

Dynamic risk scores based on country-specific fraud patterns. Real-time updates reflecting emerging threats and geopolitical changes. Customizable rules for high-risk regions.

IP Geolocation Matching

Verify customer location matches billing address country. Detect VPN and proxy usage attempting to hide true location. Flag mismatches for additional verification.

Cross-Border Velocity Checks

Monitor unusual patterns like multiple countries in short timeframes. Detect card testing across different geographic regions. Identify coordinated fraud attacks.

3D Secure 2.0 Implementation

Frictionless authentication for low-risk transactions
Step-up authentication when additional verification needed
Liability shift protection for authenticated transactions
Mobile-optimized authentication flows
Compliance with PSD2 Strong Customer Authentication

Global Compliance and Regulations

Navigate complex international regulations with confidence:

Data Protection Compliance

GDPR (Europe)

Data minimization practices
Right to erasure support
Consent management
Data portability tools
Breach notification

Other Regions

CCPA (California)
LGPD (Brazil)
PIPEDA (Canada)
POPI (South Africa)
APP (Australia)

Payment Regulations

PSD2/SCA: Strong Customer Authentication for European transactions
Open Banking: Account-to-account payment support
RBI Guidelines: India's data localization requirements
PBOC Regulations: China's payment processing rules
Card Scheme Rules: Visa, Mastercard international requirements

International Business Models We Support

Specialized solutions for different international business types:

Cross-Border E-Commerce

Global marketplaces
Direct-to-consumer brands
Dropshipping operations
Digital products and downloads
Subscription boxes

B2B International

Import/export businesses
International wholesalers
Global supply chains
Cross-border services
International consulting

Digital Services

SaaS platforms
Online education
Digital content
Gaming and apps
Cloud services

Travel & Hospitality

Online travel agencies
International hotels
Car rental companies
Tour operators
Event ticketing

Settlement and Banking Solutions

Efficient fund management across borders:

Multi-Currency Accounts

Hold balances in multiple currencies simultaneously
Receive payments without immediate conversion
Convert funds when rates are favorable
Pay suppliers in their local currency
Reduce conversion costs and fees

Global Payout Solutions

Mass payouts to suppliers and partners worldwide
Marketplace seller disbursements
Affiliate and commission payments
Refund processing in original currency
Same-day settlement in major currencies

Intelligent Transaction Routing

Maximize approval rates with smart routing strategies:

Local Acquiring

Process transactions through local banks to appear as domestic transactions. Higher approval rates and lower fees for in-country processing. Automatic routing based on customer location.

Failover and Retry

Automatic rerouting when primary processor declines. Intelligent retry logic based on decline reasons. Multiple backup processors for redundancy.

BIN Optimization

Route based on issuing bank and card type for best results. Leverage historical data to predict optimal routing. Continuous machine learning optimization.

Reporting and Analytics

Comprehensive insights into your global payment operations:

Transaction Analytics

Country-by-country performance
Currency conversion metrics
Payment method adoption
Decline reason analysis
Cross-border vs domestic splits

Financial Reporting

Multi-currency reconciliation
FX gain/loss tracking
Fee optimization reports
Settlement tracking
Tax compliance reports

Mobile and Alternative Payments

Support emerging payment trends globally:

Digital Wallets: Apple Pay, Google Pay, Samsung Pay worldwide
Buy Now Pay Later: Klarna, Afterpay, Affirm across markets
Cryptocurrencies: Bitcoin, Ethereum, stablecoins for cross-border
QR Code Payments: Popular in Asia and emerging markets
Biometric Payments: Fingerprint and face recognition authentication

Integration and Technical Support

Developer-friendly tools for global payment integration:

API Features

RESTful APIs with comprehensive documentation
SDKs for major programming languages
Webhook notifications for real-time updates
Sandbox environment for testing
Tokenization for secure card storage
Batch processing capabilities

Pricing for International Processing

Transparent pricing for cross-border transactions:

Domestic Cards: 2.9% - 3.5% + $0.30 per transaction
International Cards: 3.9% - 4.5% + $0.40 per transaction
Currency Conversion: 1.5% - 2.5% FX markup
Local Payment Methods: 1.5% - 3.5% depending on method
Wire Transfers: $15 - $45 per transfer
Monthly Platform Fee: $100 - $500 based on volume

Why Choose KeraPay for International Payments?

KeraPay is your partner for global payment success:

Global Reach: Process payments in 195+ countries and territories
Local Expertise: On-ground knowledge of regional requirements
One Integration: Access all payment methods through single API
Compliance Assured: Navigate international regulations confidently
24/7 Support: Multi-lingual support across time zones
Competitive Rates: Transparent pricing with no hidden fees

Connecting Global Commerce

In an increasingly connected world, borders shouldn't limit business opportunities. KeraPay's international payment processing solutions remove the complexity from cross-border transactions, allowing you to focus on growing your global business. Whether you're expanding into new markets or optimizing existing international operations, we provide the payment infrastructure, local expertise, and compliance support needed to succeed anywhere in the world.

International Payment Processing

Industry Challenges We Solve