International Payment Processing: 135+ Currencies, Local Acquiring & SCA Compliance
Expanding internationally without a payment infrastructure designed for cross-border transactions means accepting significantly higher decline rates, hidden FX fees, and regulatory non-compliance that blocks European customers.
GetPayment provides international payment infrastructure with local acquiring in key markets, 3DS2 for PSD2 compliance, 135+ currency support, and 50+ local payment methods — everything needed to maximize revenue from your global customer base.
International Coverage At a Glance
The International Payments Problem — And How We Solve It
Cross-border payments fail more often, cost more, and face more regulation than domestic ones. Here's what you're up against and how we address each challenge.
International customers see decline rates 20–30% higher than domestic — revenue lost to cross-border routing failures
Local acquiring networks in US, EU, UK, and APAC route cross-border transactions as domestic, dramatically improving authorization rates
Hidden cross-border fees of 1–2% eating into margins on international sales
Fully transparent cross-border pricing as a separate line item. Local acquiring reduces cross-border transactions subject to these fees
SCA compliance complexity under EU/UK PSD2 blocking European customers
Full 3DS2 implementation with intelligent exemption engine. Maximize approvals while meeting regulatory obligations automatically
Offering only card payments loses customers in markets that prefer local methods
50+ local payment methods by region: SEPA, iDEAL, BECS, Interac, and more — all through a single integration
Complete International Payment Infrastructure
Everything you need to accept, optimize, and settle international payments — from checkout to bank account.
135+ Currencies
Accept payments in any of 135+ currencies. Dynamic currency conversion shows customers prices in their local currency, reducing friction at checkout.
Local Acquiring Networks
Acquiring relationships in US, EU, UK, and APAC route transactions as local rather than cross-border, improving authorization rates by 15–25%.
3DS2 & SCA Compliance
Full PSD2/SCA compliance with 3D Secure 2.0. Intelligent exemption engine handles low-value, recurring, and trusted beneficiary exemptions automatically.
Competitive FX Rates
0.5–0.8% FX spread on currency conversion. Real-time rates published via API. Settlement in 20+ currencies to minimize conversion costs.
50+ Local Payment Methods
SEPA, iDEAL, Bancontact, Sofort, Klarna, BECS, Interac, PayNow — offer the payment methods customers in each market trust most.
Geofencing & Compliance
Block or restrict checkout by geography for regulatory compliance. Market-specific terms acceptance and age verification flows built in.
Multi-Currency Settlement
Settle in your chosen currency or hold balances in multiple currencies. FX conversion at settlement on your schedule, not ours.
International Analytics
Authorization rate tracking by country and currency. Identify underperforming markets and optimize routing to improve global revenue.
Cross-Border Retry Logic
Intelligent retry sequences for cross-border soft declines — re-routing to alternative acquiring banks to recover transactions that would otherwise be lost.
Regional Payment Coverage
Our coverage by region, markets, payment methods, and acquiring status
| Region | Key Markets | Payment Methods | Acquiring |
|---|---|---|---|
| North America | US, Canada, Mexico | Visa, MC, Amex, Interac, ACH | ✓ Local |
| Europe | 35+ EU/EEA countries + UK | Cards, SEPA, iDEAL, Bancontact, Sofort | ✓ Local |
| Asia Pacific | AU, NZ, SG, HK, JP | Cards, BECS, PayNow, PayID | ✓ Local |
| Latin America | BR, MX, CO, CL, PE | Cards, local bank transfers, Pix (BR) | Cross-border |
| Middle East & Africa | UAE, SA, ZA, NG | Cards, local bank transfers | Cross-border |
International Payments FAQ
Maximize Revenue From Your Global Customers
Get set up with local acquiring, multi-currency support, and SCA compliance in one merchant account application.