Global Payments for International Expansion

Expanding internationally often creates a choice between extending your existing PSP relationship and introducing local providers. Neither approach is automatically right.

We assess your existing PSP against the requirements of each target market, including coverage, performance and cost. Where it falls short, we determine whether a local PSP or acquirer would provide a better solution.

Where multiple providers are appropriate, we also consider the operational consequences, including reporting, reconciliation and data consolidation.

Payment preferences differ significantly between markets. A payment method that is widely used in one country may be largely irrelevant in another, while a locally preferred method can have a significant impact on conversion.

We identify which payment methods matter for your customers and then look at the best way to implement them. This includes assessing whether to contract directly with the payment provider or access it through your existing PSP, as well as the impact on integration, reporting and settlement.

The focus is not on offering every available payment method, but on finding the right combination and setup for each market, balancing customer experience, conversion, cost and operational complexity.

When selling in different markets, you need to decide whether to simply convert your existing prices or set specific prices for each country.

We help you work out what makes sense for your business, from how exchange rates are applied to how the customer's currency is determined, for example through IP address, browser language, account settings or billing and shipping country. If you have a large product catalogue, we also look at how you can manage different prices across markets without creating a huge amount of manual work.

The aim is simple - show customers the right price in the right currency while keeping your margins under control.

Entering a new market can raise questions around local entities, bank accounts and acquiring. At the same time, cross-border processing can add costs through cross-border fees, interchange and other acquiring and processing charges. At higher volumes, these differences can become significant.

We compare the options of using your existing entity and PSP with setting up a local entity, local bank account or local acquiring arrangement. We look at the actual payment costs, including interchange and cross-border fees, as well as payment performance and the additional work that comes with running a local setup.

Where tax or legal questions are involved, we connect those requirements to the payment setup so that the different decisions are considered together.

Approval rates can vary considerably between countries, payment methods and PSP configurations. Declines may result from routing, 3DS, retries, tokenization, issuer behaviour or configuration rather than from genuine customer risk.

We analyse where transactions are being lost and identify opportunities to improve payment acceptance across the payment flow.

This can include reviewing routing strategies, 3DS configuration, retry logic, tokenization and PSP setup.

A checkout can be technically available in a market without actually feeling local to the customer.

We assess the complete payment experience against local expectations, including pricing and currency, payment-method presentation, checkout flow, terminology, information requested, mobile experience and payment confirmation.

We also look for new ideas and opportunities to improve the customer journey based on what works in each market.

Once a business starts receiving payments in multiple currencies, the question is no longer simply whether currencies can be converted. It is where, when and by whom that conversion should happen.

We analyse the complete flow from customer payment through PSP settlement and into your bank accounts. We assess whether currencies should be exchanged by the PSP, after payout through your bank, or held without conversion.

Where appropriate, we evaluate the need for local or multi-currency bank accounts and alternative settlement structures.

International payments quickly become a finance challenge when transactions, currencies, entities and tax obligations multiply across markets.

We help define how payments should flow into your tax and accounting processes, including where tax obligations arise, how payment data should be structured and how different systems should interact.

Where appropriate, we also support the integration of specialist solutions such as TaxJar or Taxually into the overall payment and finance architecture.

Marketplaces and platforms face an additional layer of payment complexity. The customer payment is only the beginning, because funds ultimately need to reach sellers across different countries and currencies.

We assess which seller countries and currencies are supported by your PSP and how sellers should be paid. We then map the complete flow of funds from customer payment through to seller payout. We also look for unnecessary currency conversions, such as converting funds into the marketplace's currency and then into the seller's currency.