International Payment Processing

Traditional payment processors reject international high-risk businesses due to compounded risk factors. First, high-risk industries already face rejection from domestic processors; adding international complexity makes them even less appealing. Second, most processors lack the global banking relationships and licenses required to support multi-country processing—they're set up to handle domestic transactions and don't want to invest in international infrastructure. Third, cross-border transactions have higher fraud rates and chargeback rates, increasing risk exposure beyond what traditional processors will accept.

The regulatory complexity of international processing drives many rejections. Processors must understand and comply with financial regulations in every country they support—anti-money laundering (AML) requirements, know-your-customer (KYC) rules, data privacy laws (GDPR in Europe, similar laws elsewhere), and industry-specific regulations that vary by jurisdiction. They must also handle tax reporting across multiple countries and currency conversion regulations. Most traditional processors lack the expertise and infrastructure to manage this complexity, particularly when combined with high-risk industry challenges.

Paysuki provides comprehensive international payment processing with support for 150+ currencies and 200+ countries. We maintain banking relationships and licenses in major markets globally, enabling us to process both as a domestic processor in key regions and as a cross-border facilitator where needed. This means lower interchange fees, better approval rates, and faster settlements compared to traditional cross-border processing. Our platform supports all major local payment methods—SEPA transfers, iDEAL, Bancontact, Sofort, Alipay, WeChat Pay, UPI, and dozens more—ensuring you can offer payment options that local customers prefer.

Currency management is critical for international businesses, and our platform provides transparent, competitive foreign exchange rates with clear markup disclosure. We support dynamic currency conversion (DCC) so customers can pay in their preferred currency while you settle in yours, multi-currency pricing so you can set prices optimally in each market, and hedging tools to protect against currency volatility. Our reporting provides clear visibility into FX costs by market, helping you optimize pricing and maximize profitability across regions.

Fraud prevention for international transactions requires understanding regional fraud patterns and risk factors. Our AI-powered system knows that transactions from certain countries carry higher fraud risk, that specific payment methods are frequently abused, and that certain product categories attract more international fraud. We use geolocation verification, device fingerprinting, velocity checks, and behavioral analysis to identify fraudulent transactions while minimizing false positives on legitimate international customers. We also provide customizable risk rules so you can adjust fraud prevention sensitivity by market based on your experience.

Compliance with international regulations is built into our platform. We maintain AML/KYC procedures that satisfy requirements across all jurisdictions, provide detailed transaction reporting for tax compliance in multiple countries, and implement data protection measures compliant with GDPR and other privacy regulations. We monitor regulatory changes globally and proactively update our systems and alert merchants to new requirements. Our compliance team includes experts in international financial regulations who can guide your expansion into new markets.