Learn how to Integrate Pine Labs International Payments to let customers pay in their preferred currency with support for both Multi-Currency Conversion (MCC).

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:

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.