A global payment gateway does more than accept cards in multiple currencies — it routes transactions through the right acquiring bank for each market, applies local payment methods, manages cross-border compliance, and maintains approval rates that reflect local card-issuing bank behaviour rather than an international average. For high-risk businesses selling internationally, this distinction is commercially significant: a UK acquiring bank processing US customer transactions typically achieves 15–25% lower approval rates than a US-based acquirer processing the same cards. DozyPay’s global processing network addresses this with regional acquiring across four continents.
Why Local Acquiring Matters for International Sales?
Acquiring Bank Location | Effect on Transaction Approval |
Same country as cardholder | Highest approval rates. Card issuer recognises the acquiring bank as domestic. No cross-border flags. |
Same region (e.g., EU acquirer for European card) | Good approval rates. Some cross-border consideration but generally similar regulatory environment. |
Different region (e.g., US card processed by Asian acquirer) | Lower approval rates. Cross-border flags trigger additional fraud checks. Higher decline rates from issuing banks. |
Mismatched high-risk jurisdictions | Lowest approval rates. Multiple risk flags compound: cross-border + high-risk category + unfamiliar acquirer. |
DozyPay Global Payment Gateway Coverage
Region | Acquiring Capabilities |
North America | US and Canadian acquiring for eligible high-risk categories. USD and CAD settlement. |
Europe (EEA) | EU acquiring in EUR and GBP. SCA-compliant 3DS2 implementation across all European transactions. |
United Kingdom | UK-based acquiring for eligible categories. GBP settlement. FCA-aware compliance framework. |
Asia-Pacific | Regional acquiring in Singapore, Hong Kong, and Australia for Asia-Pacific merchant traffic. |
Caribbean / Offshore | Offshore acquiring in gambling, adult, and other restricted categories through Caribbean and Pacific jurisdictions. |
Latin America | Regional acquiring and local payment method support for Brazil (Boleto, Pix), Mexico (OXXO), and other LatAm markets. |
Global Payment Methods Supported
- Visa and Mastercard (global)
- American Express (select markets)
- ACH / eCheck (United States)
- SEPA Direct Debit (36 European countries)
- iDEAL (Netherlands)
- Sofort / Klarna (Germany, Austria, Switzerland)
- Boleto Bancário / Pix (Brazil)
- UPI (India)
- Bitcoin, Ethereum, USDT (global)
- Bank wire / SWIFT (global, any market)
Frequently Asked Questions
What’s the difference between a global payment gateway and an international payment gateway?
The terms are often used interchangeably. DozyPay uses ‘global gateway’ to specifically describe a multi-region acquiring setup where transactions are routed to locally-relevant acquiring banks based on the cardholder’s country. ‘International payment gateway’ on DozyPay’s site refers to the same underlying capability — both pages describe the same core service.
How does currency conversion work?
Cardholders pay in their local currency at the checkout. DozyPay converts the transaction to your settlement currency at the prevailing interbank rate plus a margin defined in your processing agreement. You receive settlement in USD, EUR, GBP, or another agreed currency on your standard settlement schedule.
Do approval rates really differ that much by acquiring region?
Yes, significantly. In testing across merchant categories, the same card attempted through an acquiring bank in the cardholder’s home country achieves 10–25% higher approval rates than when processed through an acquirer in a different region. For high-risk merchants where margins are already under pressure from higher processing fees, this approval rate difference has a direct and material impact on revenue.
Can I accept payments from sanctioned countries?
No. DozyPay’s processing infrastructure includes OFAC, EU, and UN sanctions screening. Transactions from sanctioned jurisdictions are automatically declined. Merchants attempting to process transactions from sanctioned countries through any legitimate payment gateway will face compliance consequences.
What currencies can I settle in?
DozyPay offers settlement in USD, EUR, and GBP as standard. Additional settlement currencies are available depending on your acquiring bank relationship. Settlement typically occurs on a T+1 or T+2 business day schedule to your designated bank account.
Set up global payment processing at dozypay.com/contact — regional acquiring for higher international approval rates. |