Declined foreign cards, cross-border fees stacked on FX spreads, customers bouncing off a checkout that won't speak their currency — international revenue leaks at the payment layer first. The infrastructure to fix it exists; defaults don't include it.
Cross-border transactions fail far more often than domestic ones — issuer caution plus mismatched processing routes. Every false decline is a customer you paid to acquire, gone at the finish line.
Cross-border assessments, currency conversion spreads, international service fees — stacked quietly, often totaling 2–3% beyond your domestic rate. You see 'international volume up'; your margin doesn't.
Customers convert at dramatically higher rates when they see their own currency. Pricing everything in USD is silently taxing your international conversion rate.
Take a business doing $40k/month internationally: an extra 2.5% in cross-border and FX costs is $12k/year, and an authorization rate 10 points below achievable is potentially several times that in vanished sales. Unlike most growth problems, this one is infrastructure — fix the routing and currency setup once, and every future international sale inherits the improvement.
International payment performance is mostly about where transactions are acquired: processing European cards through European acquiring, presenting prices in local currency, and settling strategically. Processors with true multi-currency infrastructure and local acquiring relationships authorize more transactions and stack fewer fees than a domestic account straining across borders.
Which setup fits depends on your pattern — a US store with 20% international traffic needs different architecture than a business with real volume concentrated in two foreign markets. Multi-currency pricing, like-for-like settlement (selling in euros, settling in euros), and local acquiring each earn their complexity at different scales; we'll tell you which tier your numbers justify.
We match you to processors in our network with genuine cross-border infrastructure, and we'll sanity-check the FX spread — the quietest fee in the entire industry — before you sign anything.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
Foreign issuers decline unfamiliar cross-border patterns defensively — and domestic-only processing setups look maximally unfamiliar. Local acquiring and better routing fix a large share of these. If you tell us your top countries in the survey, we'll match infrastructure to your actual map.
Once a market matters to you, almost certainly — conversion lifts of 25%+ are common when customers see home pricing. The processing side needs to support multi-currency presentment and ideally settlement; that's a matching criterion we handle.
Compare the rate you're settled at against the mid-market rate on the same day; the gap is the spread, and it varies wildly between providers. It's the fee processors least like discussing — which is why we put it on the table in every international placement.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Three minutes on your markets, currencies, and volume. We'll show you the authorization, fee, and currency architecture your international revenue deserves.
Fix My Global Checkout