Accepting International Credit Cards

Merchant Accounts For Any Global Payment Currency

Accept Internaional Credit CardsYou can collect payments from customers all over the world and no matter what currency their credit card uses when you accept international credit cards. When we set up your Merchant Account you receive everything you need to accept all international credit cards in person, online and by phone.

How International Credit Cards Are Typically Processed

With a First Data Merchant Account, you can accept credit card payments from customers located virtually anywhere in the world.

When a customer pays you using international credit cards (typically a credit card that is provided to a non-resident person or business by a provider in their home country) and when your customer is charged in Canadian Dollars , you will receive your funds in Canadian Dollars without any conversions. Your customer’s issuing bank will deal with the necessary conversion at the time of the transaction.

For example:

A German customer buys an item from your website priced at $200 Canadian dollars. At the time of the purchase your customer will see a charge of $200 Canadian dollars.

You receive a deposit of $200 Canadian  in your designated bank account.

The customer will see a charge of approximately 132 Euros based on the current exchange rate (August 2017), on their credit card statement.

Some online and hospitality businesses, have set up their merchant accounts to accept funds in US dollars to accommodate American customers and those who prefer to use US dollars. In that case the merchant needs to set up a US dollar bank account and the transactions are priced and transacted in US dollars. Currency conversions occur later when the merchant chooses to do so if at all. The merchant will have built into their pricing or conversion rate their own costs in order to make the process more convenient or the pricing more familiar or easier to compare to their customers.

You can make the experience much more pleasant and meaningful for your international customers, and earn some additional income (a percentage of the currency exchange), by using First Data’s Dynamic Currency Conversion Solution to charge customers in their own currency at the time of their purchase.

Visa and MasterCard International Interchange Rates

International card transactions are subject to Visa and MasterCard International Interchange Rates. These rates are often lower than domestic Interchange Rates for similar cards, but “cross-border” fees will be applied. These will have an impact on the total cost of the transaction.

Visa and MasterCard fees are officially called “International Cross-Border Fees” and “International Acquirer Service Fees” and are range from 0.45% to 1% on top of the standard interchange rates.

With First Data’s Dynamic Currency Conversion Solution, you can offset some or all of these fees.


Products and Services Providing You With The Solutions You Need

Our Merchant Advisers are here to help you figure out the right mix of devices and services to best serve your business and customer needs.

Payment Terminals

Equip your store, restaurant, or office with the latest in wired, wireless and bluetooth payment technology.

Mobile Pay

Mobile Payment

Our Mobile Pay app and card reader for smartphones and iPad, let you to quickly take secure credit card payments anywhere.

Online Shopping Card


E-Commerce technology makes it easy for your business to get online and sell to a wider audience.

Want More Information?

Call us at 888-616-6967 or Click the button to send your request.