International Payment Gateway: Accept Payments from Customers Anywhere in the World

An international payment gateway isn’t simply a standard gateway that accepts foreign cards. For high-risk merchants, international processing requires acquiring relationships in multiple regions, local payment method integration, cross-border compliance management, and currency conversion that doesn’t erode margins. DozyPay’s international processing network covers 150+ countries with regional acquiring in North America, Europe, Asia-Pacific, and offshore jurisdictions — giving high-risk merchants the global coverage they need with approval rates that reflect local acquiring rather than cross-border penalty rates.

International Processing Challenges for High-Risk Merchants

• Cross-border decline rates: When a US customer’s Visa card is processed through a European acquiring bank, the issuing bank sees a cross-border transaction from an unfamiliar acquirer in a different region. Decline rates on cross-border transactions are typically 15–25% higher than on domestic transactions — a direct revenue impact.
• Currency conversion margin: Every currency conversion carries a margin. Processors that bundle conversion into their rate without transparency erode merchant revenue. DozyPay provides transparent FX rates with defined margins.
• Local payment method gaps: In Brazil, Boleto is used for a significant share of e-commerce transactions. In the Netherlands, iDEAL accounts for over 60% of online purchases. Merchants offering only card payment miss these customer segments entirely.
• Compliance variation: GDPR applies to European customers regardless of where your business is registered. PSD2 SCA requirements affect EU and UK card transactions. US OFAC sanctions apply to US-connected transactions. Managing compliance across multiple jurisdictions simultaneously requires a processor that understands the landscape.

Countries and Currencies Supported

DozyPay accepts payments from customers in 150+ countries. Settlement currencies include USD, EUR, GBP, CAD, AUD, SGD, and HKD as standard. The most commonly processed transaction currencies include:

• USD — United States Dollar
• EUR — Euro (36 SEPA countries)
• GBP — British Pound
• CAD — Canadian Dollar
• AUD — Australian Dollar
• JPY — Japanese Yen
• INR — Indian Rupee
• BRL — Brazilian Real
• MXN — Mexican Peso
• Additional currencies available on request

International Payment Methods

Frequently Asked Questions

How do I improve international card approval rates?

The most effective measure is regional acquiring — processing each customer’s transaction through an acquiring bank in a region geographically and jurisdictionally close to the cardholder’s issuing bank. DozyPay’s routing logic selects the optimal acquirer for each transaction based on card BIN country, transaction value, and category. This alone typically improves international approval rates by 10–25%.

What FX rate does DozyPay use for currency conversion?

DozyPay uses interbank FX rates plus a conversion margin defined in your processing agreement. Rates and margins are transparent and disclosed upfront — there are no hidden conversion fees. Settlement is in your chosen base currency on your standard settlement schedule.

Do I need to comply with GDPR if my business is outside the EU?

Yes, if you collect or process personal data from EU residents. GDPR applies based on where your customers are located, not where your business is registered. Merchants processing EU customer payments must comply with GDPR data handling requirements regardless of their own jurisdiction. DozyPay’s gateway is GDPR-compliant from a data processing perspective.

Are there countries DozyPay cannot process from?

Yes. Transactions from OFAC-sanctioned jurisdictions (currently including Iran, North Korea, Cuba, Syria, and Russia for financial transactions) are automatically declined in compliance with US Treasury and EU sanctions regulations. Additionally, some high-risk categories face additional country-level restrictions beyond sanctions. Contact DozyPay to confirm specific country availability for your category.

How long does international settlement take?

Settlement timelines vary by currency and region. USD and EUR settlements are typically T+1 to T+2 business days. Some currencies and regions may require T+3. Bank wires for large settlement amounts may have different timing. Your settlement schedule is defined in your processing agreement.