Are there international payment gateways for ecommerce?

In today’s ever-growing e-commerce landscape, there are literally thousands of different payment gateway providers who offer international services. The caveat is that not all of them will offer their services in your location or the countries within which you might wish to conduct business. That said, choosing the right one for your particular business model will depend almost entirely on variables that pertain to your specific situation such as:

the features and functionalities your business model requires
the countries you wish to accept transactions from
the currency or currencies you want to work with
Since there is no single payment gateway that meets the regulatory and compliance guidelines for every region of the world, the first thing you must do is to determine whether you need to perform both authorizations and settlements in foreign currencies.

If you already know you’ll be accepting transactions in foreign currencies, you’ll need to establish an “official presence” in each country whose currency you will accept. This can be accomplished by obtaining a merchant account in each country through an acquiring bank partnership.

Here in the US, when an acquiring bank opens a merchant account for you, it assumes considerable risk (similar to providing a loan), which is why you are required to provide an SSN or possess a US tax ID. Once you have that, you can truly begin the process of finding an acquiring partner and merchant service provider (aka payment processor).

Alternatively, you could partner with payment processors willing perform cross-border transactions and currency conversions (typically, for a fee in addition to the flat per-transaction fee you’ll already be paying).

Now, if you only a need to conduct transactions in a single currency (e.g., the US Dollar), you can partner with any gateway provider or processor supporting that particular currency.

If your business model requires only the most basic types of transaction functionalities (no split payments, etc.), partnering with Acardpay might be good options for you.

However, if your business’s needs are more complex, and require a more detailed and customized solution, partnering with a white-label payment gateway software provider such as Acardpay Integrated Payment Gateway to build your own payment gateway is an excellent choice.

With a robust menu of fully customizable features, Acardpay’s software can be seamlessly integrated and certified with acquiring banks in your desired regions. While the up-front costs of establishing your own payment gateway may seem steep, in the long run, they are much less expensive than the ongoing fees you’ll pay to partner with other payment gateway providers over time.

One final consideration is that if you happen to be a startup, no matter where you are located, you will probably encounter some additional challenges in simply locating a payment gateway provider willing to partner with you. Because of the historically low numbers of transactions processed, startups are not particularly appealing because they don’t generate enough transactional volume for payment gateway providers to profit from – therefore making startups not worth their assumed risk.

Summary:

Because there is no payment gateway that services and meets the regulatory requirements for every country in the world, you'll first need to decide which countries and currencies you want to service and accept. The Acardpay Payment Gateway platform offers a robust selection of fully customizable features and can be seamlessly integrated and certified by acquiring banks in your desired regions. If you are a startup, due to low transactional volume, you may find additional challenges in locating a payment gateway provider willing to partner with you.

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