International Payments

Over 50+ currencies supported Robust FRM engine

International card payments occur when a cardholder uses a payment card issued in one country to pay for goods or services offered by a merchant registered in another country. Such transactions are classified as cross-border card payments and typically require currency conversion, multi-network authorization, and specialized acquiring infrastructure to manage the regulatory, settlement, and exchange rate differences inherent in global transactions.

Why International Payments?

Accepting online international card payments enables you to expand your business globally by allowing your customers to pay using cards issued outside your home country. These cross-border transactions support multi-currency and dynamic currency conversion, along with a secure global acquiring infrastructure to ensure a seamless checkout experience for international customers. This capability helps broaden your customer base, increase sales, and simplify foreign exchange management, compliance, and settlements through a unified payment platform.

Global Reach

Accept payments from customers worldwide with support for local currencies.

Reduced FX Complexity

Pine Labs Online handles exchange rate sourcing, currency conversion, and transaction reconciliation.

Increased Conversion Rates

Customers are more likely to complete their purchases when prices are displayed in familiar currencies with clear, transparent conversion rates.

Business Growth

Predictable cash flow and higher retention.

Pine Labs Online enables acceptance of international card payments — transactions where the cardholder’s issuing country differs from the acquiring country. To facilitate smooth global commerce, Pine Labs Online provides:

Dynamic Currency Conversion (DCC)

Dynamic Currency Conversion (DCC):

Enables your users to view and complete payments in their home currency at checkout, while settlements are processed in the local currency (INR). DCC ensures transparency and offers real-time currency conversion during payment authorization.

Key Features for DCC Payments

Dual Currency Display

Displays both the local transaction currency and the cardholder’s home currency, along with the applicable exchange rate.

Transparent FX Rates

Displays real-time exchange rates with a predefined markup, shown to customers before they confirm the transaction.

Instant Conversion & Authorization

Currency conversion occurs instantly at the time of authorization, with the exchange rate locked for that specific transaction.

Compliance-ready

Complies with card network requirements for DCC disclosure, exchange rate transparency, and acceptance prompts.

Automated Settlement

The merchant is paid in their domestic currency, while Pine Labs manages the currency conversion and settlement in the background.

Monthly FIRS

Access a monthly statement of your foreign inward payments for your transactions directly from the Pine Labs Online dashboard.

Web Checkout Interface for DCC

Web checkout interface for DCC that presents currency details and payment options, designed to provide a smooth and intuitive experience.

Web Checkout Interface DCC — Figure: Web Checkout Interface for DCC

Multi Currency Conversion (MCC)

Multi-Currency Conversion (MCC):

Enables merchants to price, present, and accept payments in multiple foreign currencies. MCC simplifies cross-border sales by allowing online stores to offer localized pricing to international customers.

Key Features for MCC Payments

Multi Currency Pricing

Display product prices in up to 50 supported currencies, automatically based on the customer’s location or their selected preference.

Real Time FX Conversion

You can retrieve the currency rates dynamically from Pine Labs Online FX engine to ensure accurate and up-to-date pricing.

Localised Checkout Experience

Customers can view and pay in their preferred currency, which enhances trust and increases conversion rates.

Single Currency Settlement

You receive a consolidated settlement in your selected base currency (e.g., INR).

API Based Integration

Easily integrate using Pine Labs Online International Payments APIs that include currency parameters.

Monthly FIRS

Access a monthly statement of your foreign inward payments for your transactions directly from the Pine Labs Online dashboard.

Web checkout Interface for MCC

Web checkout interface for DCC that presents currency details and payment options, designed to provide a smooth and intuitive experience.

Web Checkout Interface MCC — Figure: Web Checkout Interface for MCC

FRM (Fraud & Risk Management)

How Risk Evaluation Works?

All international card transactions are processed through a comprehensive risk engine that evaluates customer, device, and transaction-level factors to determine risk and prevent potential fraud, ensuring secure and reliable processing.

Blocking High-Risk Transactions

If the risk engine identifies a high-risk transaction, it automatically blocks the payment and returns an appropriate error code. This Fraud Risk Management (FRM) system strengthens security by preventing fraudulent activity. By analyzing end-user data in real time, it detects potential threats and stops suspicious payments, thereby safeguarding you and your customers.

Merchant Dashboard

A comprehensive dashboard that allows you to monitor performance, track payments, and manage customer accounts with access to real-time analytics and reports.